I recently met with a client that many years ago got behind on her bills to the point that she used a credit counselor to help her get back on her financial feet. Since that time, she has implemented what she calls “Credit Cushion.” What she has done is pre-paid all of her regular bills one month in advance. If something adverse were to happen to her income, she has this built in buffer.

Along with making sure you regularly review your credit card and bank statements, this is an interesting way to make sure nothing goes unpaid.

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