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Top Areas of Your Budget to Leave Alone as You Reevaluate Your Spending


As you deal with the economic effects of the novel coronavirus pandemic, you find ways to save money by cutting back on unnecessary spending. While many portions of your budget can be reduced or eliminated, make sure that you do not alter your spending in these areas.


Health Insurance
The Affordable Care Act was modified in 2017, and the federal government no longer stipulates that all Americans must buy health insurance or pay a penalty. Some states have maintained the requirement, but most allow citizens to choose whether or not to buy insurance. While you don’t technically need coverage, you should not cut your spending in this area. If your or one of your children has an accident, develops a condition or needs surgery, you need health insurance to help with the hospital bills, which could quickly bankrupt you if you’re not covered. If you don’t have health insurance yet, a quick Google search for “health insurance agents near me” will lead you to plenty of options.

Credit Card Repayments
Falling behind on your credit card payments is a recipe for financial disaster. As your bills get higher and higher, you begin to feel as if you will never pay them off. Depending on your credit card company, you may not need to pay off the entire balance every month. However, avoid letting the balance grow beyond your control by cutting spending in other areas to cover your credit card bills. Additionally, whenever possible, use your debit card or take out cash, since both options remove money directly from your account, making it harder for you to spend more money than you have.


Fresh Fruits and Vegetables
To the dismay of many Americans hoping to start healthier lifestyles while quarantined, fresh fruits and vegetables are often expensive, especially compared to junk food and other processed items. While it’s tempting to skip the carrots, bananas and lettuce in favor of easier options, maintain this area of your budget for as long as possible. Eating fresh fruits and vegetables is an investment in your health, one that is particularly important during a public health crisis. If you have children, this practice teaches them to value healthy eating and lowers their risk of developing obesity and other health conditions.

As you go over your budget and find ways to save money, leave these areas of your budget alone. By keeping up your spending in these areas, you will prevent or at least mitigate future disasters.

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