If you neglect the savings, you put yourself further into the hole,' says Brian Jones, author of Getting Started: The Financial Guide for a Younger Generation (Larstan Publishing, 2006).
If you don't have liquid savings to fall back on when your car breaks down or your pet needs to see the vet, those bills are going to go on a credit card.
That doesn't mean you should stash emergency cash under your mattress. Your best bet is to put it into an online savings account, which tends to yield more interest than your local bank. Check out bankrate.com to find some of the best deals out there.
Just try it
Many companies have switched to a system of automatic enrollment when it comes to their 401(k) programs, meaning that when you fill out your new-employee paperwork, the default option is to participate. Why not give it a go and see how it suits your budget?
'Most people think of this as running a marathon, not a sprint, so it's OK to pace yourself and do a little bit at a time,' Jones says.
If you allow your employer to invest a small percentage of your paycheck each month, you very likely won't even notice it's gone -- particularly because you're adjusting to a new salary anyway
Source link: http://www.star-telegram.com/408/story/330905.html
Days after losing two childhood friends in a car crash, a Wanaka woman has escaped a house fire near Arrowtown - fleeing flames chasing her up the hallway.
Harriet Fyfe, 18, raced out of the house with her 17-year-old friend and her friend's father.
Fyfe woke at 4am yesterday to the smell of smoke, but did not realise it was coming from an electric blanket under her mattress.
If I had rolled over and gone back to sleep then, pretty much all of us would be dead, she said.
In the mid-1990s, while living in Wanaka, she had done exactly that - gone back to sleep - after smelling smoke from a fire which, she said, almost killed her mother
Source link: http://www.stuff.co.nz/4297272a10.html
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