Michelle Schroeder-Gardner knows a thing or two about making money. She was able to pay off nearly $40,000 in student-loan debt in just seven months by working side jobs in addition to a full-time job and creating the blog Making Sense of Cents. Now she’s entirely self-employed and pulling in more than $70,000 a month through her online endeavors.
Schroeder-Gardner said that money has brought her happiness because, by managing it well, she’s been able to safeguard herself against the stress of unexpected expenses. “I am saving more money than ever and have been able to build my retirement and emergency funds,” she said.
If you want to build an emergency fund but are still trying to pay off debt, you might need to divide up your money and work toward accomplishing both goals at once.
If you find yourself facing an emergency that you can’t afford, you could take out a personal loan to make up for the difference instead of turning to a high-interest credit card that will ultimately cost you more. Look for a no-origination fee personal loan, such as a PenFed personal loan, so you can pay for the emergency fast.
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