How Many Hours Should 3 Months Old Sleep At Night Financial Planning For Baby Boomers – Are You Lucky Or Just Prepared?

You are searching about How Many Hours Should 3 Months Old Sleep At Night, today we will share with you article about How Many Hours Should 3 Months Old Sleep At Night was compiled and edited by our team from many sources on the internet. Hope this article on the topic How Many Hours Should 3 Months Old Sleep At Night is useful to you.

Financial Planning For Baby Boomers – Are You Lucky Or Just Prepared?

Who are you if you lose your job, are unemployed for a while but have enough spare to keep your house, your cars, maintain your lifestyle and still pay your bills? According to many, you are lucky. If you can handle extended unemployment without suffering any setback to your lifestyle, you’ve probably planned for your rainy day long before it happened. I call it prepared, not lucky.

Many people have too little money in reserve. When they catch a bad break like losing their job or their mortgage adjusts significantly upward, their financial world falls apart. According to many, those people are unlucky. After all, if they hadn’t caught a bad break, everything would be fine.

Very few people (if any) make it through 40 years of their working life without catching a bad break. If you don’t prepare for a setback, you are a victim in waiting. The only thing you haven’t done is fill in the date.

Here are four tips that will prepare you to survive a rainy day:

Money in Reserve – You should have either six months of living expenses written off or one month of savings for every $10,000 you earn, whichever is greater. In general, if you are out of work, it takes one month for every $10,000 you earn to find a new job.

Continue to Save – Once you meet the amount above, keep saving. Treat your savings goal like a monthly bill. Be methodical and make sure your savings bill is the first you pay each month.

Reasonable Debt – The amount of debt service you owe (total of your loan payments) should not exceed 40% of your gross income. In an emergency the lower your debt service, the easier it is to reduce expenses.

Fixed Mortgage vs. Adjustable Rates – Don’t go with an adjustable rate mortgage (ARM) unless you can afford the current fixed rate while staying within the debt service guidelines and have the discipline to save the payment difference. Also, don’t take out an adjustable rate mortgage if you don’t have adequate savings to handle large upward adjustments in interest rates. Fixed rates offer you the ability to budget and sleep at night.

The more you plan for your financial future and the harder you work to execute the plan, the luckier you will be. Don’t put your family in a vulnerable position and have to make major lifestyle changes because you didn’t plan for the inevitable rainy day.

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