By Jonathan Pond
The “perfect typhoon” of world fiscal catastrophe is now hitting each zone of non-public finance. Retirement money owed, retiree nest eggs, domestic costs, and on the subject of every little thing else of price are being swept away within the chaos. you could both passively attempt to wait out the hurricane or take rapid motion to guard your self, your loved ones, and your destiny. In secure funds in tricky instances, Jonathan Pond explains find out how to remain afloat whereas the economic system sinks. applying the sensible, common sense wisdom and knowledge that has made him certainly one of America’s most well-liked own finance specialists, Pond is helping you either climate the hurricane and place your self to benefit whilst the economic climate necessarily rebounds. He tackles each zone of your monetary lifestyles that's or will quickly be suffering from the nice Recession, from making an investment defensively and identifying the most secure investments to ideas for paying assurance and institution money owed whilst occasions are difficult. You’ll locate effortless and sensible strategies for dealing with debt decreasing costs dealing with unemployment Minimizing problems in case your bank fails maintaining your retirement mark downs Making expert judgements approximately your house and loan enhancing your credit rating getting ready for fi nancial emergencies even though he recognizes the gravity of our monetary scenario, Pond takes you prior the pessimism of today’s media commentators and provides the obstacle as a method for instructing your self, altering undesirable behavior, and at last having fun with unforeseen earnings. With secure cash in difficult occasions you've what you want to skip the so-called specialists and advance your personal monetary procedure with self belief. entire with checklists and worksheets, this prescient consultant presents every thing you want to take regulate of your investments, beat the recession, and improve an all-weather monetary and funding plan that may final a life-time.
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Additional resources for Safe Money in Tough Times: Everything You Need to Know to Survive the Financial Crisis
Even if they postpone any big purchases, how are they going to balance the books? After a lot of studying—and some disagreement on the details—John and Natalie have decided on the following actions. 1. They will reduce their living expenses by $7,000 next year by taking a less expensive vacation, dining out less fre- When Expenses Increase Faster than Income • 33 quently, taking their morning coffee and lunch to work rather than buying it, and becoming more budget conscious. 2. They are reluctantly reducing their savings level from $200 to $120 per week.
You’ll be amazed at how those nickels and dimes add up. A little effort can save you hundreds of dollars per year on groceries. If you shop online, be sure to search for an online coupon offer before making the purchase. 12. Take vacations closer to home. There are probably great places to vacation near your hometown. Many people live close to vacation areas that other people travel hundreds or thousands of miles to visit. A HALF-DOZEN WAYS TO GET QUICK CASH Here are six ideas for getting some quick cash, should the need arise.
Dip into savings. Although dipping into savings to meet living expenses is a painful action to take, some people When Expenses Increase Faster than Income • 31 • will have to do so in order to cope with strains on their family finances. This action should be taken only after you have thoroughly and realistically examined better alternatives for weathering the storm, such as reducing your living expenses and finding other sources of income, as described previously. Borrow. Borrowing to meet living expenses is a last resort.
Safe Money in Tough Times: Everything You Need to Know to Survive the Financial Crisis by Jonathan Pond