Now is the time!

NOW IS THE TIME to set up the small savings accounts that you will need to protect your monthly income.  All year long there are specialized bills that we did not plan for and it is disastrous.  Take time to set up auto transfers with your bank.  You can have several savings accounts at your bank, or you can earn slightly higher interest by using an online bank.  Everything is done electronically and you only have to remember to record the transfers in your check book.  Make yourself an outline of your monthly bills and savings and when they will happen each month.  You will totally enjoy the peace that a plan can bring.