Managing finances properly takes planning and commitment, but sometimes we need an extra push to really cut costs. If you’re drowning in debt or struggling with living paycheck to paycheck, you might be in need of a drastic change.
If saving money were a total breeze, perhaps people would do a better job of it. Unfortunately, a large percentage of Americans are glaringly behind on both near-term savings and retirement savings. If you've been slacking on the savings front, or have been making an earnest effort to save but find that you're still falling short, you're not alone.
As the world is changing faster than ever, it’s crucial to establish emergency savings so you can be prepared for any financial changes as they come. Setting up an emergency fund is one of the best ways to start saving now.