Finance Emergencies and unforeseen situations Life happens. And when it does, it usually costs money to fix. And that can be a significant source of stress, particularly for snowbirds living on a fixed income, or those with other financial obligations that don’t leave a lot of wiggle room in the monthly budget. Having a ready source of cash available for life’s many emergencies – a flooded basement, an aching tooth, a short-notice flight across the country to care for an ailing loved one – can make you feel more empowered to deal with unexpected, urgent financial priorities that might otherwise derail your plans. It gives you control by providing flexibility: instead of being forced to dip into retirement capital, or to take out an emergency loan at a high interest rate, you have a cushion of cash available when you need it. If you have the means, make it a priority to build up an emergency fund consisting of, say, three to six months’ worth of basic expenses (groceries; gas; electric and other utility bills; property tax; mortgage payments; etc.). Keep those funds in a source to which you have easy access such as a basic chequing account, or maybe a high-interest savings account so that you can earn a little interest. Think of this emergency fund as an insurance policy: something which you hope you never have to “cash in,” but for which you’ll be endlessly thankful if you ever need it. It gives you the freedom to pursue your best life, knowing that if worse really does come to worst, it won’t be a complete financial disaster. That can be an immensely powerful feeling. At Elizabeth Grant Skin Care we are aging with you, not against you. Our team of chemists create gentle, intentional, proven formulations to address the needs of EVERY skin concern. Manufactured in Canada and shipped directly from our labs to you. Join our mailing list to receive 30% off of your first skin care product order, and use code SNOWBIRD to get a full-sized product as a complimentary gift. CUSTOMER SERVICE +1877-751-1999 (toll-free) SKIN CARE THAT TARGETS: LINES & WRINKLES, SAGGING SKIN, DULL & ROUGH SKIN 75 YEARS OF SKIN WISDOM WE CAN HELP. WEBSITE www.elizabethgrant.com CSANews | FALL 2023 | 27
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