These companies have made remote work a part of their corporate culture.
Over the past few years, the transition to working from home has been fast and furious for many organizations. Many companies have learned that embracing permanent remote work is the future of work. While some companies have reversed their promises with return-to-office mandates, many other work-from-home companies haven’t abandoned their remote work policies and don’t intend to.
No one can predict exactly if (or when) a recession will hit — but you can always be prepared for one.
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Economic slowdowns often come with job losses, tighter budgets, and more financial stress. The good news is that a few smart, simple money moves can give you a stronger cushion if things get rough.
Here are three steps that can help protect your finances before a downturn begins.
When it comes to protecting yourself from financial disaster, building up your emergency fund is crucial.
At any given time, you should aim to have three to six months’ worth of expenses in your savings. If you spend $4,000 a month, for example, you’ll want to have $12,000 to $24,000 saved up.
Not-so-fun fact: During the Great Recession, millions of Americans were unemployed for six months or more. If you lose your job during a recession, an emergency fund could allow you to weather hard times without going into debt.
To get even more out of your emergency savings, consider moving your cash to a high-yield savings account (HYSA). Top online banks are offering APYs as high as 4.40% — that’s more than 10 times the national average of 0.38%, and it can mean hundreds more in interest per year.
Ready to start saving? Open a top high-yield savings account today to supercharge your emergency fund.
Next, review your monthly budget and cut any non-essential expenses. Focus on things you need like rent, groceries, and transportation, and cut spending on dining out and entertainment. (Many of these tips go hand-in-hand — spending less on things you don’t need will mean you can contribute more to your emergency fund).
Start by tracking what you spend now, then identify where to cut or scale back. Use a simple budgeting app, or even just a simple spreadsheet. The goal here is to stay flexible and keep money in your pocket for when you really need it.
High-interest debt, especially credit card balances, can become a massive burden during a downturn. Interest rates on credit cards can be 20% or higher, meaning your balances can grow fast and send your finances into a downward spiral.
Work to pay off these debts as soon as possible. Prioritize the highest-interest accounts first while making minimum payments on others, then slowly work your way down.
Another smart option: moving your balance to a credit card with a 0% intro APR. These cards offer 0% intro APR periods as long as 21 months. That’ll give you time to pay down what you owe without racking up more interest charges.
Check out one of my favorite balance transfer cards, with a long 0% intro APR on both purchases and balance transfers, to start saving today.
We don’t know where the economy is headed in the near future, but there will be another recession at some point — whether that’s in three months or 30 years from now.
Start by building your emergency fund so you have a buffer if your income takes a hit. Then, look for ways to trim your spending and create a budget that can handle a downturn. Finally, take aim at high-interest debt, especially credit card balances that can get more expensive over time.
These three simple steps can help you stay on sound financial footing — no matter what the economy does next.
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This pricing revolution could save you hundreds.
According to Comcast’s first-quarter 2025 earnings report, after losing 199,000 broadband customers in just one quarter, the telecom giant is making moves that could impact what you pay for internet services, whether you’re a current customer or shopping around. The company has just rolled out what it’s calling an “everyday pricing structure,” which eliminates data caps and locks in prices for…
Most investors expect the Federal Reserve to hold interest rates steady when it meets in July. However, rate cuts are still on the table in 2025.
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If the Fed does cut rates, or even signals rate cuts for later this year, banks could begin lowering CD rates in advance. In fact, some already have.
That means now is the time to consider locking in your return — as high as 4.25% APY on the top CDs from our list — before rates drop even further.
A certificate of deposit (CD) is a type of savings account that holds your money for a set period, usually anywhere from a few months to five years.
In return, you get a fixed interest rate that won’t change. Products like high-yield savings accounts are offering comparable returns, but those rates can change at any time.
Here’s your quick CD how-to:
If you’re worried about tying up all your money, you can also try a CD ladder — a strategy that spreads your savings across different term lengths so a portion becomes available at regular intervals.
Want to start earning guaranteed returns now? Check out our curated list of the top CD rates available today.
CDs are a good fit for you if:
If you think rates are headed down — and there’s good reason to believe so — then now is the time to lock in a CD.
Even if the Fed doesn’t cut rates at its next meeting in late July, the window to lock in high CD yields could close soon.
Banks tend to move quickly when they expect a shift, and early signs are already on the horizon. The stability of CDs is a great way to protect your savings and give you peace of mind if you’re worried about falling rates.
Ready to secure your APY? Open a top-paying CD today and lock in your rate before they fall.
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How will McCormick’s “surgical and strategic pricing” affect you?
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Your spice rack could become the next casualty of rising grocery costs. McCormick & Company announced plans to raise prices in the coming months as new tariffs squeeze their bottom line, according to TheStreet.
You’ve probably seen the headlines: slowing growth, sticky inflation, and whispers about interest rate movement. The big question keeps coming up: Are we headed for a recession?
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Nobody knows for sure, but here’s what I do know after years of writing about personal finance: Waiting until you know we’re in a recession is waiting too long. The smartest move is to recession-proof your finances before things hit the fan.
Here’s what I’m doing, and what I recommend to anyone trying to stay one step ahead.
If the economy slows down and layoffs start picking up, having three to six months of expenses in a high-yield savings account (HYSA) gives you flexibility and peace of mind.
Start putting your money to work today and earn up to 4.40% APY on your cash — check out our list of the best high-yield savings accounts.
Credit card APRs are often over 20%. If a recession hits and your income drops, that kind of debt becomes a massive burden fast.
What to do now:
Some of the best recession protection is just not owing money to a credit card company. Simple as that. You can get nearly two years interest-free with some of the best balance transfer credit cards — check out our list here.
Market dips are scary. But history shows that trying to time the bottom usually backfires. Long-term investors who stay the course tend to come out ahead.
If you’re investing for retirement, keep contributing. If you’ve got short-term goals, like buying a house in a year or two, that money shouldn’t be in the market anyway. Historically, the S&P 500 returns about 10% annually. Short-term drops are just part of the ride.
And there’s never a bad time to start investing. Pick one of the best online brokers and start thinking about your retirement.
One income stream feels fine, until it’s not. Even a small side hustle or freelance gig can give you financial stability when the economy wobbles.
Some ideas to explore:
You don’t need to launch a full-scale business. You just need enough to give yourself options if your main paycheck becomes less reliable.
We might avoid a full-blown recession. Or we might not. Either way, the steps above put you in a better position no matter what happens. Building cash, cutting risk, and keeping your cool can help you ride out whatever the economy throws our way.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.
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