The existence of a healthy emergency fund is absolutely paramount for any adult. Unexpected expenses and occurrences happen all the time, often when people least expect them. A plentiful emergency fund can, and often does, determine whether or not an individual or family is ruined by financial hardship or able to foot the unexpected bill. Despite the importance of an emergency fund, not everyone has one. One of …

A modest budget doesn't mean you can't live a full and happy life, engaging in all of the activities you enjoy. The problem is that people have become to dependent on money for life satisfaction. It's been said many times over that money doesn't equate happiness. If you are making a modest income but you can easily pay your bills and still have a tidy amount of funds …