![]() By paying more than the minimum – or better yet, the full balance each month, you will reduce your finance charges. Pay what you owe: Always pay at least your minimum monthly payment on time every month.One way to simplify saving for your emergency fund is to set up recurring transfers into a savings account through your bank. That way, if you lose your job or have a big unexpected expense, you don't have to borrow more than you're comfortable repaying. ![]() Or better yet, keep an emergency savings fund of three to six months' living expenses in a liquid, interest-earning account.
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