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It goes without saying that paying your bills — and paying them on time — is critical to good personal financial maintenance. But in our efforts to pay our bills and take care of other matters, it’s possible that someone falls through the cracks. You.

Putting money to the side for yourself is a critical money management step that people often overlook until something goes down. Then, having a little extra money to cover the expense is needed. Part of the reason a lot of people don’t have this money set aside is the sense that it’s a daunting task that will require thousands of dollars. Not true says Black Enterprise.

“[T]here is no reason why you cannot save $20.00 per payday,” the site writes. ” If you did this every pay day, within a year that $20.00 would amount to $520.00 (assuming you get paid every other week) that is a great start to saving for a rainy day.”

Of course, saving a few thousand dollars is a good idea. But having something for an emergency should be your baseline. For more about paying yourself, just in case, click through to


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