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Emergency Funds: Emergencies Happen When You Least Expect It

Family Balance Sheet

The year 2007 held such promise for us when it started, but by the end of the year we were brought to our knees. As self-employed owners of a small business, we have lived through some tough months, but in 2007, it was a tough year. There were months when our sales were HALF of what we would normally bring in.

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Create an Emergency Fund | 31 Days to Organize Your Finances

Family Balance Sheet

As self-employed owners of a small business, we have lived through some challenging months, but the year 2007 was especially tough for us. Every month, our income must cover our business and household expenses, but many months in 2007, our income barely covered our business expenses, leaving nothing left for our household.

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Meet a Reader | Mary from Reflections Around the Campfire

The Frugal Girl

I still remember saving my change as a kid so I could “shop” for books at yard sales.) Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation.