Where's your $1000?

Sure, a lot of people are between a rock and a hard place with finances right now; but, while our country is building itself back up and regaining fiscal strength -- what are you doing?

As we've told you before, Cline Hall Agency is proud to be an "Endorsed Local Provider" of Dave Ramsey.  Many of Dave's biggest lessons come from following his "Seven Baby Steps", which explain seemingly simple steps to put ourselves and our families on sturdy ground when dealing with our cash flow and/or debt.  The first baby step Dave drills home is having $1000 in your "Emergency Fund" bank account.  Have you taken this first step?  Now, this can't be in your checking account where the Bon Jovi tickets suddenly become an emergency, or Valentine's Day last minute plans drain out the $1000 quickly.  This account is for emergencies more so along the lines of your sudden need for new tires, or a trip to the dentist which isn't covered under you health plan.  Or maybe even an unexpected accident, and the $500 deductible you'll need to pay to fix your car.

Of course, a lot of you learned of your need for a saving account long ago -- but what about the rest?  Get it going!  Emergencies happen, we've all experienced this.  There truly is an ever-present sigh of relief when you don't have to cringe for every unexpected expense because you know your emergency account is in place.  So, if you're not there-hop on it!  It doesn't take long.


For more information on these baby steps check our Dave's explanation: http://www.daveramsey.com/new/baby-steps/


Call or visit us, as always!