Recently there have been a number of people experiencing a layoff or decrease in hours and pay. Even if you feel that your job is secure it is important to have some money saved just in case.

If you find your income changing it is important to change your expenses to meet your income as soon as you can. The longer you live beyond your means, the more financial trouble you will end up in.

Here is a recent post from Jessica at with tips to prepare for a furlough or decrease in income.

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Nancy Kvamme

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