A great number of Americans are at risk of financial ruin from one accident or job loss. You should set aside at least $1,000 and as much as three months’ income for emergencies. If you’ve already done this, you’re a smart cookie.
There are quite a few financial apps like Mint that can help you track your spending, budget, and set goals. These can even be free, meaning you don’t have to spend anything to help get your finances on track.