If your car breaks down, you experience damage to your home or come down with a sudden illness, you want to be prepared to pay for bills that may not be included in your regular budget. With the risk of going into debt from unpaid bills, you should protect yourself with an emergency savings fund.
a Welcome Guest basket to have waiting when they arrived. It was pretty easy and it added a little extra touch to make them feel welcome. A great idea for any guest room for all the guests that come to visit.