I try [...] Those minimum payments are often designed to keep you paying 18% interest for 40 years! Personal Finance 101 I do this by saving a little each month, and “investing” a portion of all “found” money (gifts, inheritances, tax returns, anything unexpected).I have a will and update it each year around New Year’s to reflect any changes in my life during the past year (new children, new home or business, etc.). If you have some skills or have demonstrated some abilities that are not possessed by your co-workers and these skills make you a more valuable employee, you are less likely to get the pink-slip.Also while you are making yourself more valuable to your current employer, you are also making yourself worth more to future employers. Health, disability, auto and home insurance policies also provide me additional protection in their respective areas. It took several years to build up this cash fund. It is much easier to land a job if you have some special skills that are in high demand or even if you bring some special knowledge or experience that you fellow job-seekers may have overlooked or failed to invest in.Being in the computer industry, I have to spend hours each week reading trade magazines, exploring web sites, and reading emailed newsletters to keep abreast of what is new in my field.
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