. Whether you have debt or not, having an emergency fund is key to not being forced to use credit when an emergency arises. If living through two years of the pandemic has taught us anything, it’s how important it is to. Having savings will help you weather most things that life can throw at you, including a record-setting dump of snow in April.
Sandra Fry is a Winnipeg-based credit counsellor at Credit Counselling Society, a non-profit organization that has helped Canadians manage debt for more than 25 years.
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