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Savings in 2022
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[QUOTE="trendy201, post: 196547, member: 62933"] It probably doesn’t come as a surprise that saving is one of the most important components of personal finance, but most people simply aren’t doing it. In fact, data shows that just 39% of Americans could afford to pay for a $1,000 emergency without taking on more debt. The first saving priority most people should have is an emergency fund. Your emergency fund can help you cover any unforeseen expenses. It can also serve as an income replacement in the event that you lose your job. Most experts recommend having between three and six month’s worth of expenses saved in your emergency fund. The other type of saving you might do is for specific financial goals. Whether it’s a dream vacation or the downpayment on a home, saving will help you get there. Unfortunately, there’s no magic pill or secret to saving money — you just have to do it. When it comes to saving for a big goal, the best way to reach it is to divide the total number you need to save by the number of months you’d like to have it saved. That will tell you how much to save each month to reach your goal. [/QUOTE]
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