HomeMy WebLinkAboutClinton News-Record, 1980-03-20, Page 51N
*from page 14
a winter vacation. to a
new home to your own
business. The idea here,
of course, is 'to plan a
financial future for
yourselves. You may
alter it or throw it out
completely in favor of
other fiscal goals later.
But without a plan you're
likely to -bump along for
years and still not have
the cash you'd like for
Christmas •much lessfor
that new house, etc, So,
start talking now about
the future: What are your
goals? Will you both
work? Will there be
children? How will that
affect your finances? Will
you have to care for a_
dependent parent or
sibling in the future? How
much do you expect to
earn next year? In five
years? In ten?
Part one of even the
most meager financial
plan looks to the future
and works to provide
some financial security..
Your first finauelaLgoal
should` Jut' .an .emergency
cash fund large enough"to
cover .all of your living
expenses for anywhere
from three to six months.
You're not planning on it,
but aoeideuts- and illness
do keep people from their
jobs for prolonged
periods of " time.
S,ometxnes jobs 'just
disappear -- temporarily
or permanently. You
have to survive finan-
cially until another
comes along. So, start
saving a nest egg today.
Don't stop until it covers
your expenses for at' least
three to six months. Do
I epit in a secured
savings account or
certificates of deposit or
another safe but ac-
cessible interest-bearing
.account. Remember that
this is an emergency
fund. If you need it you
don't want to have to sell
stocks, real estate-0164M--
that
stat "it1' the ---
page 1S
kial ' O.
like to get your Cash.
Save. those investment,
for the future, after your
emergency fund is
secure.,
Now, how do you get
that nest egg? Experts
and. common sense agree
that saving is crucial to
any financial ' plan.
People who make saving
a monthly habit -,even in
small amounts p— gain
quickly. Experts point
out that it is the
regularity rather than the
amount that makes
Turn to page 16 •
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