Most financial responsibilities are predictable, but you need rainy-day funds to deal with the unpredictable. Do you have enough?

Financial crises do arise, times when you must pay for something unexpectedly and immediately. A medical emergency could keep you out of work. Your car could break down. Home repairs could become immediately necessary. In the meantime, all your regular bills are still due.  Think of an emergency fund as something you build, rather than something you have. Circumstances such as these are not pleasant to consider, but they happen.

Are you prepared?

A big part of why we want to make (or save) money in the first place is to enjoy it. But it’s hard to save for concert tickets, travel, and other bigger purchases when all your money disappears on an average Friday night.

Are you feeling the gnawing pain of financial anxiety? You’re not alone. A majority of Americans (59 percent) report that they live paycheck to paycheck.

The following article by WalletHub highlights the top 10 financial resolutions of Americans for 2021:

Aside from housing and transportation, many people find that food is one of their largest spending areas each month. Between groceries, work lunches, and dining out, food costs can be a silent budget killer. Because we all need to eat, eliminating this line item is not possible. However, there are a few ways that individuals and families can save money by cutting their food budget. Consider following these tips to save money on food — without going hungry or eating instant ramen for every meal.