02.04.2021

紧急基金的重要性

回到博客

One of the biggest fears held by many is to be without an income, which brings about the inability to pay bills. 防止这种事发生在你身上, 有一个应急基金是很重要的, which will help ensure your financial 安全 in the event life throws something unexpected your way.

什么是紧急基金?

An emergency fund is money set aside to cover unexpected life events. Think of it as a financial safety net that can help prevent additional debt and stress. Your emergency fund is important to help you cover healthcare expenses or to prevent financial hardship due to home or auto repairs, 盗窃, 或失业. Your emergency fund should be separate from your checking or savings account to prevent you from dipping into it for normal expenses. Avoid accounts that tack on a penalty for withdrawing the money before the account matures, 例如存单(CD). Instead, make sure you can easily access your funds in a liquid account like a normal savings or a 货币市场帐户.

使用应急基金

这就在名字里! The emergency fund is for emergencies only. It’s not a savings account to use for vacations, 还清信用卡债务, 或者去买你想要的东西. Some things that may require you to dip into your fund are:

  • Medical emergencies where health 保险 may not cover you or a loved one fully
  • Loss of a job or income that may prevent you from covering your bills
  • Travel expenses if a loved one passes away or falls ill
  • Unexpected and necessary repairs of your home or car

为你的基金竞技宝官网DOTA2

Most experts advise having enough money saved to cover at least six months of expenses with a little bit of cushion. When determining the amount of money you should keep in your emergency fund, calculate how much you need to live comfortably each month. Start with your take-home pay and subtract all your monthly expenses from it. Include what you pay for housing, utilities, bills, food, and other necessary expenses. Then determine your goal: how many months of savings you want to have. 一旦你知道了你的目标, you can look at your finances to see how much you can contribute to your emergency fund each month and determine how long it will take to fund the account. 开始竞技宝官网DOTA2, try to contribute either a percentage of your leftover budget or a set amount from every paycheck. Direct deposit is a great tool, because you never see the money, removing the temptation to spend it!

竞技宝官网DOTA2更快

Bulking up your emergency fund can be a slow process, but there are ways to speed up your saving so you can meet your goal faster. 这里有一些建议:

  • We know how tempting extra spending money can be, but saving the money you receive from bonuses, 礼物, or tax refunds is helpful to move your fund forward.
  • Boost your income by starting a side hustle that utilizes your skills and passions, 或者试着出售你不再使用的物品.
  • Whenever you feel like making an impulsive purchase, put the money aside. If you still want to buy the item after 30 days, do it. If not, put the money into your emergency fund.
  • 减少在外卖上的花费, 每月订阅, or shopping habits by cutting them out or utilizing coupons and resale stores.
  • 联系 us for a quote on refinancing your home, car or other debts. Often times this can save additional money each month that can be placed directly into your emergency fund.
  • 接触 密歇根第一保险公司 to see if you can lower your home, auto, life or other 保险 premiums.

Cutting back on your expenses and boosting your income work hand-in-hand to get you to your goal faster.

在你保存了

Once you reach the goal you set and feel comfortable with the amount you have in your emergency fund, start addressing some of your other financial goals by opening a new savings or investment account. Do you dream of owning a house or buying a new car? What about that home renovation you’ve always wanted? 你为退休做过打算吗? If you have questions about how to achieve your financial goals, ask the experts! 密歇根第一财富管理集团 can help you accomplish your goals by ensuring your money is invested wisely. 为自己的成就感到骄傲! Now that you’re prepared for an emergency it’s time to plan the future you dream of.

你也可以喜欢:

12.09.2020
3 Things to Focus on During a Financial Hardship
11.09.2020
Financial Tips for New and Expanding Families
10.14.2020
如何用50/30/20规则进行预算