HOMEOWNERS RED FILE FOR EMERGENCY PREPAREDNESS ~ A Red File is a binder with all your important documents in one place. In case of an emergency, it can be easily retrieved and taken to safety. Make exact COPIES of credit cards, medical ID cards (front and back), auto and home insurance policies, passwords etc... Extensive list of items that should be included, many of which you may not have thought of!
If you have ever gotten a raise and noticed that you run out of money just as quickly as you did before, you probably live above your means. The good news is that you can learn to live below your means.