I read an article today that reminded me of my previous post about budgeting. In this survey, researchers found that not only does a high percentage of Americans not have an emergency fund, but about a quarter can't even afford to skip a single paycheck.
This is exactly why it's so important to include savings - retirement, education, and emergency fund - into your budget. Make savings an expense you must pay, not just an option if there's any left over.
http://www.prnewswire.com/news-releases/americans-across-all-income-levels-lack-savings-financial-education-282546601.html
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