{"id":2413,"date":"2020-11-12T13:29:32","date_gmt":"2020-11-12T19:29:32","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=2413"},"modified":"2023-11-06T09:16:59","modified_gmt":"2023-11-06T15:16:59","slug":"encontrar-fondos-de-emergencia","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2020\/11\/12\/finding-funds-emergency\/","title":{"rendered":"Encontrar fondos en caso de emergencia"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:93.6%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:5px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><script>!function(e,t){var s=\"script\",a=e.getElementsByTagName(s)[0],n=e.createElement(s);n.async=!0,n.src=\"https:\/\/teachbanzai.com\/coach\/styles.js?subdomain=northshore\",a.parentNode.insertBefore(n,a)}(document);<\/script><\/p>\n<p class=\"intro\">If you find yourself facing an emergency that you\u2019re financially under-prepared for, the prospect of what to do next may feel overwhelming. Don\u2019t panic. There are things you can do to get through this crisis.<\/p>\n<h2 id=\"work-with-what-you-have-header\">Work With What You Have<\/h2>\n<p>The first step is to restructure your current budget. While some expenses are difficult to change, such as mortgage or auto loan payments, there are plenty of areas that you can easily adjust to cut back spending and save money. This budget calculator can help you lay out specifics and make those adjustments.<\/p>\n<div id=\"budget-calculator\" class=\"__banzai-coach\"><\/div>\n<p>Drawing from long term savings, vacation funds, and other savings accounts can help bolster your finances in a pinch. Similarly, if you\u2019re really in a bind, you could consider cashing in on investments. Even if returns may not be as high as you would like, that money could help address your current emergency.<\/p>\n<p>You should only withdraw early from retirement accounts like a 401(k) or IRA if absolutely necessary. Unless you meet certain criteria for an approved hardship, there is a 10% penalty for early withdrawals. Also, draining these accounts can greatly setback your financial security during retirement.<\/p>\n<h2 id=\"supplement-your-income-header\">Supplement Your Income<\/h2>\n<p>If your current assets just won\u2019t cover it, look for ways to get more. Consider selling valuables that you don\u2019t need. Things like art, jewelry, antiques, and similar items may be hard to part with, but that money can carry you through a rough patch. Plus, online marketplaces make selling valuables easy to do.<\/p>\n<p>If selling won\u2019t make a big enough difference, try to increase your income by picking up extra work. Additional part-time or variable hour work can help you quickly boost your cash flow. You could also ask your employer for an advance on your paycheck to help cover your current expenses, though not all companies will offer this type of benefit.<\/p>\n<h2 id=\"get-help-header\">Get Help<\/h2>\n<p>Remember that you don\u2019t have to face an emergency alone. There are government programs put in place to help protect you and your dependents should you need it.\u00a0<a href=\"https:\/\/teachbanzai.com\/wellness\/resources\/government-assistance\" target=\"_blank\" rel=\"noopener noreferrer\">This article<\/a>\u00a0walks through some of the programs that will be most helpful to you in detail. If you\u2019ve been laid off, consider applying for unemployment benefits, or if you\u2019re struggling to provide necessities for you and your family,\u00a0<strong>SNAP<\/strong>\u00a0or\u00a0<strong>TANF<\/strong>\u00a0can make up the difference if you qualify. If you currently don\u2019t have health insurance,\u00a0<strong>Medicaid<\/strong>\u00a0or\u00a0<strong>CHIP<\/strong>\u00a0can help.<\/p>\n<p>When you\u2019re back on your feet, consider taking the time to prepare an emergency fund should you need it again.<\/p>\n<div id=\"emergency-fund\" class=\"__banzai-coach\"><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfTe preguntas qu\u00e9 hacer en caso de emergencia si no tienes un fondo de emergencia? Considera estas opciones.<\/p>","protected":false},"author":1,"featured_media":2414,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[11,15],"tags":[],"class_list":["post-2413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","category-fraud-security"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finding Funds in an Emergency - North Shore Trust and Savings<\/title>\n<meta name=\"description\" content=\"Wondering what to do in an emergency if you don\u2019t have an emergency fund? 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