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Once you’ve reached your goal and have enough to cover the unexpected, it’s time to think about the future. Financial experts recommend having enough cash to cover three- to six months of living expenses.

As with any plan, goal, or strategy, it’s important to consistently check your progress. This will allow you to watch your savings grow and correct the course as needed.

Do you always look forward to your tax return? Do you frequently get monetary gifts during holidays and birthdays? While it can be tempting to spend that extra dough, putting at least a portion towards your savings can save you a lot of heartache in the future.

Learn about the Pros and Cons of a Home Equity Line of Credit (HELOC).

As you research home equity lending options, such as a home equity line of credit (HELOC), make sure you consider the pros and cons of each product before making a decision. Those factors will vary based on your plans for the money and the prospective lender.