{"id":16623,"date":"2021-01-14T16:00:16","date_gmt":"2021-01-14T21:00:16","guid":{"rendered":"https:\/\/lifehappens.org\/?p=16623"},"modified":"2021-01-14T16:00:17","modified_gmt":"2021-01-14T21:00:17","slug":"8-small-steps-toward-financial-protection","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/8-small-steps-toward-financial-protection\/","title":{"rendered":"8 Small Steps Toward Financial Protection"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ _builder_version=”4.4.3″ locked=”off”][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.6.0″][\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″ custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.7.7″ custom_padding=”||0px|||”]

About half of all Americans make New Year\u2019s resolutions. Along with exercising more and eating better, many people aim to get a better handle on their finances.\u00a0<\/span><\/p>\n

If you\u2019re in that camp, we\u2019re here to help. Here are some surefire steps to create a more financially secure future for you and your loved ones.\u00a0<\/span><\/p>\n

    \n
  1. Create a budget.<\/b><\/li>\n<\/ol>\n

    The first step toward getting financially fit is to create a budget. Everyone needs an understanding of how much they\u2019re earning, how much they\u2019re spending, and how they\u2019re going to meet their current and future financial goals. The Federal Trade Commission has information on <\/span>how to create a budget<\/span><\/a>. Once you outline your budget, make sure to stick to it. Also make sure to regularly revisit it and adjust it as needed.<\/span><\/p>\n

      \n
    1. Control and minimize debt.<\/b><\/li>\n<\/ol>\n

      Your budget will help you keep track of where your money is going. It will also help you identify areas where you\u2019re overspending. It\u2019s critical to cut out any excess spending. Also work to minimize your debt load. So long as you have debt, you\u2019ll be responsible for paying interest. (So definitely make an effort to pay more than the minimum on your credit card each month!) Set goals to pay off your debt and track your progress.\u00a0<\/span><\/p>\n

      3<\/b>.\u00a0<\/span>Automate an emergency fund.<\/b><\/p>\n

      An emergency fund is money you set aside for unforeseen expenses. They could be an unexpected home or car repair or a job loss. Most financial professionals recommend having three to six months of basic living expenses in an emergency fund. However, it takes time to build those funds. Automate the process by having part of your paycheck deposited into a special emergency fund account. You can also have your bank automatically transfer funds to a savings account earmarked for emergency expenses. Even a small amount each week can help you get there.\u00a0<\/span><\/p>\n

        \n
      1. Get life insurance to protect your loved ones and review it annually.<\/b><\/li>\n<\/ol>\n

        Life insurance provides your loved ones with money to maintain their lifestyle if you die. This money is known as the death benefit and it can replace your income, pay off debts like a mortgage, and cover funeral costs. It can also help with future expenses like college tuition, retirement, and much more. Experts recommend having life insurance that equals between 10 to 15 times your gross income. For a working idea of how much you need, use an online calculator like the <\/span>Life Insurance Needs Calculator.<\/span><\/a> Then work with an <\/span>insurance professional<\/span><\/a> to explore your options and get the right coverage. Make sure to review your life insurance annually or after a big life change like buying a new house, having a baby, or changing jobs.<\/span><\/p>\n

          \n
        1. Protect your paycheck with disability insurance and review it annually.<\/b><\/li>\n<\/ol>\n

          Disability insurance is one of the best ways to protect your most important asset: your paycheck. Disability insurance typically replaces 50% to 70% of your earnings if you\u2019re unable to work due to a disabling illness or injury. An easy way to calculate how much you might need is to use an online calculator like the <\/span>Disability Insurance Needs Calculator<\/span><\/a>. Make sure to review your coverage with your HR department or insurance professional as your salary increases.<\/span><\/p>\n

            \n
          1. Keep beneficiaries up to date.<\/b><\/li>\n<\/ol>\n

            It\u2019s important to update the beneficiaries on your financial accounts like your life insurance or 401(k). This is especially true after major life events such as a marriage, divorce, birth, or death. Not having the right beneficiary can lead to money going to the wrong person or delays in disbursing money.\u00a0<\/span><\/p>\n

              \n
            1. Put a will in place.<\/b><\/li>\n<\/ol>\n

              A will is a document that allows you to specify certain things after you die. They can include how your assets will be distributed, who will make sure your wishes are carried out, and who will take care of any minor children. Without a will, the state could decide who gets your children and more. Fortunately, the process of creating a will is not as complicated as many people believe. And it\u2019s well worth it since it spares your loved ones from all kinds of headaches. A lawyer can help you create a will and discuss other issues like power of attorney.<\/span><\/p>\n

              8. Save for retirement.<\/b><\/p>\n

              Tap into any\u00a0 available resources to help grow your retirement nest egg. That includes enrolling in your company\u2019s 401(k) plan or looking into other retirement savings options like an IRA. Definitely take advantage of any \u201cmatching funds\u201d your company makes to your 401(k) contributions. Matching funds are like \u201cfree money.\u201d What\u2019s more, the contributions you make to your 401(k) reduce your taxable income.<\/span><\/p>\n

              Make 2021 the year you become financially fit by following these steps. Each one will create a better, more protected future for you and your loved ones.\u00a0<\/span><\/p>\n

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              About half of all Americans make New Year\u2019s resolutions. Along with exercising more and eating better, many people aim to get a better handle on their finances.\u00a0 If you\u2019re in that camp, we\u2019re here to help. Here are some surefire steps to create a more financially secure future for you and your loved ones.\u00a0 Create […]<\/p>\n","protected":false},"author":11,"featured_media":16729,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[13,75,4,100],"tags":[123,146,35,139,107,360,347,64,355,258,103,15,171,240,109,262,246,377,93,62,143,14,61,70,124,343,211,248,356],"class_list":["post-16623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-fitness","category-financial-planning","category-life-insurance","category-retirement-planning","tag-agent-locator","tag-beneficiaries","tag-beneficiary","tag-children","tag-debt","tag-debts","tag-disability-coverage","tag-disability-insurance","tag-employer-benefits","tag-end-of-life-documents","tag-final-expenses","tag-finances","tag-financial-concerns","tag-financial-documents","tag-financial-fitness","tag-financial-health","tag-financial-planning","tag-financial-protection","tag-funeral-costs","tag-insurance-beneficiary","tag-life-events","tag-life-insurance","tag-life-insurance-advice","tag-life-insurance-agent","tag-life-insurance-needs-calculator","tag-prepare-your-will","tag-retirement-planning","tag-will","tag-wills"],"acf":[],"yoast_head":"\n8 Small Steps Toward Financial Protection – Life Happens<\/title>\n<meta name=\"description\" content=\"Looking to get financially fit this year? 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