Making Ends Meet

In these hard times, it's not unusual to hear of people going into debt just to make ends meet. I am so glad that as of the moment, we still have clean credit and do not need any credit repair yet. We have anticipated that we will be spending a large amount of money at this time this year because of two things: (1) I am giving birth and (2) my son will be going to school for the new school year. We've therefore planned ahead and saved up for these two big expenditures by prudently setting aside some money in another account.

I am still quite jittery though. Our savings are enough for the expected expenses but if we find ourselves with unexpected (and big) expenses, we might need to take out a loan. I'm trying to arm myself with credit repair information so that in case the unthinkable happens, we would know what to do.