Growing up my mother made us go through a process that, to my childhood brain was cruel and unusual. It was called spring cleaning. Each and every year, twice a year (in fall too), we cleaned the house from top to bottom. Ironically, I didn't have all that much responsibility until I was older, but it did mean I had to clean my room and separate my clothes for the season.
There are plenty of people who don't have an emergency fund. In fact, nearly 30 percent of Americans don't, according to a report by NeighborWorks America.
Once again, it’s a new year. As we all begin to ponder on our new year’s resolutions and how to actually stick to it this year, I thought I would offer some advice before it’s too late. If your New Year’s resolution is like mine, to save money for whatever the purpose, this is any easy way to do so.