Turning Setbacks Into Smarter Money Moves

November 27, 2024 This week, we faced an unexpected hiccup with our insurance: A doctor charged us for a 2023 appointment because they had outdated information. It was frustrating to deal with a year-old issue, especially as the holidays approach. Despite voicing our concerns, we had to follow the process and pay the bill, cutting into our Christmas shopping budget.This experience got us thinking about ways to protect our cash flow from similar surprises. One solution we’re exploring is moving our auto-pay bills to a credit card. By budgeting for these expenses and paying them off immediately, we could avoid disruptions to our checking account while also building a positive credit history. It’s a small change, but one that could make a big difference in managing both planned and unplanned expenses.Sometimes, setbacks like this force us to rethink our systems and find better ways to stay ahead financially.
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