“Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.”
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I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5, 000 credit card balance.
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.
Here's my gift-giving rule: Respect your current financial situation.
We women know how to take care of everybody so well. But the one person we have written out of the equation is us.
