What then are the keys to saving fitness?
• Live within your means. Do you find yourself constantly running short of cash toward the end of the month? If so, you will benefit from having a budget that includes regular doses of savings. On the other hand, if you are not overly indebted and generally have money available for recurring expenses and occasional self indulgences, you can step up to an even more aggressive savings plan. • Build a savings fund for emergencies and irregular expenditures. Good financial managers save regularly to pay for irregular expenditures such as vehicle insurance, vacations and holiday spending. They do not rely on loans, use a credit card or raid goal-related savings for such events. Similarly they have built an emergency fund to cover unexpected expenses such as vehicle repair. • Carry adequate insurance protection. Even the best budget can be ruined by unexpected accidents and illness. Health, life and liability insurance are crucial to savings fitness. • Establish clear savings goals. Physical
