Emergency savings, contingency fund? Who has one? How much do you have? I suspect the answers are along the lines of: What? How do I get one? How much do I need? Without any warning, an emergency such as a sick family member, job loss or car repairs can throw a wicked curve ball. Few […]

Most of us face a cash crunch every now and again and this can cause anxiety. Many of us receive a steady pay check however those who don’t have a stable source of income often wonder whether there will be enough in the account to pay the bills at the end of the month. Cash […]

The key to cash flow is knowing what’s coming in and what’s going out! For many of us, what’s coming in is fairly steady. We’ll take a look at managing cash flow for self-employed, contract or part time income next time. That leaves us with what’s going out … expenses. The most important piece of […]