10 ways to prepare for a personal financial crisis
Don't invest in stocks or other higher-risk investments until you have several months' worth of cash in liquid accounts. How many months' worth of cash do you need? It depends on your financial obligations and your risk tolerance. If you have a major obligation, like a mortgage or a child's ongoing tuition payments, you might want to have more months' worth of expenses saved up than if you're single and renting an apartment. A three-month expense cushion is considered a bare minimum, but some folks like to keep six months or even up to two years' worth of expenses in liquid savings to guard against a long bout of unemployment. 2. Make a BudgetIf you don't know exactly how much money you have coming in and going out each month, you won't know how much money you need for your emergency fund . And if you aren't keeping a budget, you also have no idea whether you're currently living below your means or overextending yourself. A budget is not a parent -- it can't and won't force you to change your behavior -- but it is a useful tool that can help you decide if you're happy with where your money is going and with where you stand financially. (Do you have enough savings to cover the costs of unforeseen crises? Learn how to plan ahead in Build Yourself An Emergency Fund 3. Prepare to Minimize Your Monthly Bills
You might not have to do it now, but be ready to start cutting out anything that is not a necessity. If you can quickly get your recurring monthly expenses as low as they can be, you'll have less difficulty paying your bills when money is tight. Start by looking at your budget and see where you might currently be wasting money. For example, are you paying a monthly fee for your checking account? Explore how to switch to a bank that offers free checking. Are you paying $40 a month for a landline you never use? Learn how you might cancel it, or switch to a lower rate emergency-only plan if you needed to. You might find ways you can start cutting your costs now just to save money. For example, are you in the habit of letting the heater or air conditioner run when you're not home, or leaving lights on in rooms you aren't using? You may be able to trim your utility bills.
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