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Times are tough for many Americans today. Some financial experts suggest we are teetering on the verge of a modern day recession.

Whatever the case one thing is true, we as Americans, are not financially prepared for the future. What is the definition of really being financially prepared? I believe financial preparedness is the result of having the following aspects in place:

To be DEBT FREE, a strategic plan to have all major debt reduced to nil come time to retire, mortgage(s)included

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For expatriates that want to return to the UK for a short period of time the thought of going through the arduous process of purchasing a car and arranging car insurance is hardly worth it. Especially if you plan to be back in the country for only a short period of time.

Many expatriates arrange to return to the country for an extended break and this usually lasts for around a month. This means that the best way to overcome the problem of not having transport is to borrow a vehicle from a friend or a family member. If you have been living in a country like America or South Africa you will likely be very familiar with this kind of deal.

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Everyone has to be responsible and carry auto insurance. Not only is it responsible but it’s the law. Paying those yearly or bi-yearly premiums is one of those things that we automatically account for, like paying our mortgage or paying rent. I think that because of this and because we go on auto pilot when the insurance company sends out those premium renewals that we just pay it without question. I think that is where the trap is and why so many people end up paying that insurance premium no matter what the cost is. Well, I have a great solution for that to save you money.

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