The festive season has begun and like every year there are plenty of discounts and freebies. From waiver of stamp duty and registration to doling out free modular kitchen and gold coins, builders are leaving no stone unturned to sell their wares. Should you bite the bait?
Most financial experts recommend putting aside six months of expenses or four months of salary as emergency funds. Afterall, it’s important to be prepared for contingencies that can be life-altering. However, this rule may not hold true for everyone. Here are four scenarios where this rule doesn’t apply and what you should do.