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Richard Callaby's Articles in Personal Finance

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Is It Really Necessary To Create A Family Budget? The thought of budgeting may seem simple to do, right? However, if we really get into it and try to balance our income and expenses, we realize that it’s not that easy to do. Still, having a budget or spending plan can help us manage our finances better. Building An Emergency Fund - A Vital Part of Financial Planning None of us have the ability to foresee the future or predict the hurdles which lie ahead of us. This makes building an emergency fund a financial priority. Building an emergency fund is healthy for your financial well being, since you’re rarely given advance notice of a setback or an accident which will keep you out of work for an extended period. It is also a safety net that can save you from bankruptcy or severe financial hardships in the event of an unexpected change in your income or expenses.

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