When your finances are tight, sometimes your first impulse is to spend every dime.  Many people focus on things like paying off debts, stocking up on food and supplies, or paying more than the minimum payments on bills. However, that may not be your best bet.  I know this may sound counterintuitive, but most experts recommend establishing an emergency fund as the first step back to financial security. There are several reasons why this should be a priority for you: What if you suddenly lost your job and it was 6-8 weeks before unemployment payments began to trickle in? What … Continue reading What’s in Your Rainy Day Fund?