An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. Of those who do have an emergency fund, up to two-thirds do not have the often-recommended six
The best time to start thinking about the next holiday is when you return from the last one. This gives you enough time to put things in perspective and start saving up. Develop the discipline to save by opening a Holiday Savings Account! What are some of the benefits: 1.