Preventing Financial Emergencies

If you find you are just a little short of cash each month or can't pay unexpected bills, take a good look at your income and expenses. Possibly it's important to find other ways for you to develop modest savings. If you track where you spend your money, you may find ways to save.

If you need help preparing a budget, you can get it from a nonprofit credit-counseling agency or cooperative extension agent in your area. Check your telephone company's Yellow Pages under "Credit and Debt Counseling Services".