“Christmas is not an Emergency” is one of the quotes from Dave Ramsey about the importance of having and using an emergency fund. If you have money saved in an emergency fund, it should be saved for instances that are emergencies such as medical expenses or a job loss.

As Dave says, “December is always December 25th.” That is why it is important to put money aside throughout the year so you don’t need to rack up credit card bills and interest charges to pay for holiday expenses.

Check out Dave Ramsey’s Pinterest board for other articles and advice to get and stay out of debt.

Nancy Kvamme

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