“Many people are in the dark when it comes to money, and I'm going to turn on the lights.”
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If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.
The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.
Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.
