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Meanwhile start saving money for that rainy day. Many of us have had to create a budget. Consider analyzing your budget and cutting out money you use on nonessential items even more. Take the money you didn't need to use and save it as your own financial reserve. I would consider at least have 200 a person saved in cash and set aside. As we all know the banks are not exactly a guarantee of money or help in these hard times. Also, if a natural disaster were to occur it would be great to have cash on hand since the power could be out limiting the options of ATM's and what not.
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