There are some things you can do ahead of time to help you manage – and we’re always here for you.

• Be prepared. Thinking or talking about potential loss or hardship when things are going well may be uncomfortable, but that’s actually the best time to start planning for the unexpected.

• Know what you would trim if you need to cut expenses. If you manage your budget every month, you should have some sense of what you can cut down on when you need to tighten your spending habits. 

• Have emergency funds. It is generally recommended that you have enough money set aside to make it through 3–6 months worth of expenses to cover unexpected losses.