{"id":23682,"date":"2020-04-15T02:57:00","date_gmt":"2020-04-15T06:57:00","guid":{"rendered":"https:\/\/www.nevharris.com\/?p=23682"},"modified":"2020-09-01T02:20:39","modified_gmt":"2020-09-01T06:20:39","slug":"how-to-achieve-financial-security-in-9-steps","status":"publish","type":"post","link":"https:\/\/www.nevharris.com\/how-to-achieve-financial-security-in-9-steps\/","title":{"rendered":"How to Achieve Financial Security in 9 Steps"},"content":{"rendered":"\n<p>When it comes to your business\u2019 cash flow and your general financial security, you\u2019re likely focused on three things:<\/p>\n\n\n\n<ul><li>How much money is leaving your business.<\/li><li>How much money is coming in.<\/li><li>How much is left to save for retirement and investing.<\/li><\/ul>\n\n\n\n<p>But that\u2019s all assuming your business remains operational.&nbsp;<br><\/p>\n\n\n\n<p>Emergencies are bound to happen, and, when they do, they\u2019re often unpredictable. So, how do you create the kind of financial security that allows you to navigate emergencies without ever dropping the ball? <br><\/p>\n\n\n\n<p>This guide explains how.&nbsp;<br><\/p>\n\n\n\n<h2 class=\"h2veneer wp-block-heading\">How to Financially Prepare for an Emergency<\/h2>\n\n\n\n<p>First, let\u2019s clarify what kinds of emergencies may arise that force you to put your business on hold or that can otherwise do harm to your cash flow:&nbsp;<\/p>\n\n\n\n<ul><li>Serious illness or injury<\/li><li>Family crisis&nbsp;<\/li><li>Security breach&nbsp;<\/li><li>Natural disaster<\/li><li>Large, unexpected cost (e.g. new car, home repairs, medical bill)<\/li><li>Damage to your vehicle or home<\/li><li>Job loss<\/li><\/ul>\n\n\n\n<p>Next, let\u2019s look at how you can financially prepare to mitigate any costs in the face of emergency or disaster.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Stop Living Paycheck-to-Paycheck<\/h3>\n\n\n\n<p>It\u2019s not easy for creatives to charge a rate that\u2019s on par with the value they deliver without some prospects pushing back.&nbsp;<br><\/p>\n\n\n\n<p><em>\u201cWhy does it cost so much? I could do it myself for free!\u201d&nbsp;<\/em><br><\/p>\n\n\n\n<p>Which is why some will lowball their prices, in the hopes of avoiding these objections and unfair criticisms. But the second you charge a sub-par rate, you\u2019re opening yourself up to bad clients, unpredictable ebbs and flows of work, and barely profitable projects.&nbsp;<br><\/p>\n\n\n\n\n\n<p>Starting today, focus on <a href=\"https:\/\/www.nevharris.com\/ways-to-build-trust-into-your-business-so-you-can-charge-more\">building trust into your business<\/a> so you can charge better fees and not worry about how you\u2019ll save money, let alone be prepared for an emergency.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Commit to Your Budget<\/h3>\n\n\n\n<p>Just as you need to create a predictable and sustainable cash flow for your business, it\u2019s just as important to make your expenses predictable and even.&nbsp;<br><\/p>\n\n\n\n<p>To do this, <a href=\"https:\/\/www.nevharris.com\/how-to-make-a-budget-for-your-business-and-stick-to-it\/\">set a budget<\/a> for both business and personal expenses. As you set aside your earnings for things like your salary, retirement savings, and investments, create another category for your expenses. This will help you from overspending while sticking to your budget.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Build an Emergency Fund<\/h3>\n\n\n\n<p>While these income-boosting and cost reduction strategies will give you some breathing room during an emergency, it\u2019s even better if you have reserves of cash set aside to cover you during that time.&nbsp;<br><\/p>\n\n\n\n<p>To create an emergency fund, open a savings account you can withdraw money from without penalty. Automate deposits into the account from your earnings. You can start small, with maybe $10 or $25 a week, to start.<br><\/p>\n\n\n\n<p>Next, add up your average monthly personal costs. Multiply that number by six. That should be the minimum amount of emergency cash you work towards saving. A year\u2019s worth would be even better though.&nbsp;<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Create a Backup Budget Plan<\/h3>\n\n\n\n<p>Let\u2019s say that an emergency does arise and you have to put a hold on business and income generation for awhile. The last thing you want to do is keep charging full steam ahead with the spending levels you\u2019re accustomed to.<br><\/p>\n\n\n\n<p>The second the emergency hits your radar, you should default to a pre-planned backup budget.&nbsp;<br><\/p>\n\n\n\n<p>Look at the non-essential but nice-to-have expenses you pay for now. Remove them from your backup budget. Only essential costs should remain in your backup budget.&nbsp;<br><\/p>\n\n\n\n\n\n<p>Also, consider what else you can afford to cut back on until you get back on your feet at work. Anything you can downgrade for a short while should be adjusted in this emergency budget.&nbsp;<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Eliminate Credit Card Debt<\/h3>\n\n\n\n<p>You don\u2019t want something like credit card debt or loans weighing on you when you take time to deal with an emergency. As you work on getting the rest of your finances in order, be sure to create a plan to <a href=\"https:\/\/www.nevharris.com\/how-to-eliminate-credit-card-debt-while-running-a-profitable-business\">eliminate credit card debt<\/a>, too.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Strengthen Your Insurance Coverage<\/h3>\n\n\n\n<p>An emergency of any type is sure to cause at least a little turmoil with your finances. That said, there are various types of insurance that can you can offload some of the burden to:&nbsp;<\/p>\n\n\n\n<ul><li><strong>Health insurance<\/strong> &#8211; In case an injury or illness makes it impossible to work.<\/li><li><strong>Short-term disability insurance<\/strong> &#8211; To cover not just the course of treatment, but to provide you with a salary while you\u2019re out of work.&nbsp;<\/li><li><strong>Renter\u2019s, home, or auto insurance<\/strong> &#8211; In case a natural disaster or other structural damage prevents you from working or getting to work.&nbsp;<\/li><\/ul>\n\n\n\n<p>Check on your coverage levels and make sure you\u2019re confident that you\u2019ll be well-covered. Just in case.<br><\/p>\n\n\n\n<h2 class=\"h2veneer wp-block-heading\">Some Other Things to Do to Reduce the Strain<\/h2>\n\n\n\n<p>The above strategies will give you some sense of financial security while you&#8217;re busy surviving and recovering from an emergency. However, there are some other things you can do to safeguard your business so it can weather the storm.\u00a0<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Plan Your Escape Route<\/h3>\n\n\n\n<p>Let\u2019s say a hurricane or earthquake hits and you have to evacuate your home office. Do you know where you\u2019ll go if that happens?&nbsp;<br><\/p>\n\n\n\n<p>Is there a family member or friend you can stay with and perhaps work from their residence until you can return home safely? Is there a cheap apartment or Airbnb you might rent while damage to your home is being repaired?&nbsp;<br><\/p>\n\n\n\n<p>Consider how and where you might go to keep your business running.&nbsp;<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Create a Client Communication Plan<\/h3>\n\n\n\n<p>If you should have to go offline \u2014 for a few days or a few months \u2014 that\u2019s okay. That\u2019s why you\u2019ve worked on building a brand clients can trust. They\u2019ll understand and, perhaps, be willing to wait.&nbsp;<br><\/p>\n\n\n\n<p>Regardless, you need to do your due diligence and communicate this downtime to them.&nbsp;<br><\/p>\n\n\n\n<p>To ensure you can do this, save your client contact information in the cloud so you can readily access it when you need to. And have a message written that you can shoot off to your clients to briefly explain the circumstances of your absence and what they can expect in terms of your return.&nbsp;<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. Replicate Yourself<\/h3>\n\n\n\n<p>It might be a good idea to have a backup person you can refer clients to.&nbsp;<br><\/p>\n\n\n\n<p>If your goal is to scale your business, you\u2019re probably already thinking about your first (or next) new hire. Designing this emergency preparedness plan might be the perfect motivator to take that leap.&nbsp;<br><\/p>\n\n\n\n<p>If you\u2019re not ready to hire anyone, that\u2019s fine. You can\u2019t rush a big decision like that if your business and you aren\u2019t ready for it. That said, how about contacting a colleague about serving as your backup? They can take on your clients when you\u2019re offline, and vice versa.&nbsp;<br><\/p>\n\n\n\n<p>This way, you know your clients will be in good hands and won\u2019t be left to seek out the competition in your absence.<br><\/p>\n\n\n\n<h2 class=\"h2veneer wp-block-heading\">Wrap-Up<\/h2>\n\n\n\n<p>No one expects a catastrophic event to happen to them, but it doesn\u2019t mean it won\u2019t. That said, you\u2019re in a great position to prepare for it now.&nbsp;<br><\/p>\n\n\n\n<p>As you grow your business, you\u2019re already looking at ways to be smarter with your money. And a lot of the things you have to do to prepare for a disaster align with the strategies you\u2019re already using to create financial security in your business.\u00a0<br><\/p>\n\n\n\n<p>If you run into issues or have questions as you work on these preparations, don\u2019t be afraid to reach out. We\u2019d be happy to help!<br><\/p>\n\n\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background is-style-wide\" style=\"background-color:#ffffff;color:#ffffff\"\/>\n\n\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-very-dark-gray-background-color has-very-dark-gray-color is-style-wide\"\/>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to your business\u2019 cash flow and your general financial security, you\u2019re likely focused on three things: How much money is leaving your business. How much money is&hellip;<\/p>\n","protected":false},"author":10,"featured_media":24781,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":"","footnotes":""},"categories":[26,27,28],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Achieve Financial Security in 9 Steps - Nev Harris<\/title>\n<meta name=\"description\" content=\"Do you have the financial security to handle emergencies? 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