Genius – How To Figure Out If You Should Really Have An Emergency Fund

Emergency – what thoughts do these words conjure up in your mind?

Health and well-being issues Boiler breakdown Car repairs Life crises

Whatever it is I am certain just the thought sends shivers down your spine. Infact, you probably don’t even want to think about it. Yet most finance gurus encourage us to have an emergency fund. They cushion you through those unexpected situations especially  if you don’t want to dip into your savings pot. It’s certainly better than having to borrow. I agre...