Take time to create a financial emergency plan
It's hard to plan for the worst when times are good, 但如果出现财政紧急情况, 你会很高兴你这么做了.
If you found yourself facing a major life crisis, would you be prepared to h和le the financial fallout?
Many people do not have a Plan B or safety net if things do not go as planned financially. 有 财务顾问 who agree that it's best to have an emergency savings fund equal to 3 to 6 months of your expenses. A 最近的调查显示只有39% of Americans are prepared for an unexpected emergency of $1,000.
The survey revealed that some respondents would resort to these methods for dealing with a financial emergency:
- 8%的人会获得个人贷款
- 12%的人会依靠家人或朋友
- 18%的人会使用信用卡
财务应急计划步骤
Having a plan in place helps you make rational decisions when faced with a crisis. Use these suggestions to create your own financial Plan B:
讨论主题: While it may be difficult to talk about "what-if" situations, you 和 your spouse or partner owe it to yourselves to address your hopes, fears 和 the realities of your family's situation. Consider various scenarios in your discussion such as what you might do if you lost the income of the primary breadwinner or if you needed to fund additional hours of child care.
回顾你的情况: Examine all available sources of income, your current insurance coverage 和 your 退休储蓄. 计算你的债务 复习你的 应急基金. 确保你的 遗嘱 和 房地产 计划是最新的. You should also create a list of colleagues 和 employers who could provide job leads if you were to be downsized.
知道该给谁打电话: Depending on your circumstances, you may need the knowledge of professionals such as your 状态 Farm®代理会计师、律师或律师 理财规划师. Build relationships with these professionals now so they know you 和 are ready to assist you in a crisis.
把你的计划写下来: Record your Plan B 和 tell family members w在这里 to locate the document. Having a written plan can help you or family members take action without delay.
Creating a financial emergency preparedness plan
确定常见的重大突发事件
- 死亡或丧亲相关费用
- Job loss or inability to work due to a disability
- 意外的家庭开支
- 车辆更换
- 医疗或牙科急症
Create a list of things you could do in the event of each major emergency
- 制定新的预算，优先处理账单.
- Apply for health, dental or vision insurance.
- Eliminate or reduce non-essential expenses.
- Apply for government assistance such as unemployment.
- 确定必要的资源.
- 巩固债务.
