How to Keep Emergencies From Ruining Your Budget

By Lynnette Khalfani-Cox, The Money Coach®

Having a financial back-up plan is a vital part of achieving financial security. After all, life never goes exactly according to plan. In any given month, something unexpected can happen that throws your budget out of whack. Your car may get a flat tire; a major appliance in your home might break down; or someone in your household could get sick, and you wind up with unforeseen healthcare bills.

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The One Budgeting Mistake Almost Everyone Makes

By Lynnette Khalfani-Cox, The Money Coach®

If you’re trying to manage your budget properly and keep your finances under control, you already know that going overboard with your spending can be a huge financial mistake.But even if you understand the fundamental rule of budgeting – never spend more than you earn – chances are you may be violating another crucial principal of budgeting.
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Tips to Save for Emergencies and Your Future

If you feel like you could do more to improve your saving and investing habits, or don’t know how to get started, here are some tips that can help. Financial experts agree that there are two important things to focus on: start and contribute regularly to an emergency fund, and contribute at least 10% of your paycheck to a retirement account.

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Ask the Advisor: Rules of Thumb to Save for Your Future

By Aaron Handfield

About the Advisor

Aaron Handfield has more than 14 years of insurance and financial planning experience, including four years of financial planning at JP Morgan and Edward Jones Investments. He is a registered and licensed investment and retirement planning professional and is registered to sell securities. He also holds a California Life/Health Insurance License.

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