Don't ignore safety-net expenses — it could cost you big in the long run investinyou (In partnership with acorns.)
, founder of Delancey Wealth Management, agrees that there should be a contingency for these types of things, although some of it may simply come from an emergency fund rather than insurance or a warranty.
However, 28% of Americans have no emergency savings, according to a July survey from personal financial website"A lot of times you have times you have to make an assessment," said Johnson, a member of the"You should save some money so you don't have to have the warranties," he added. "Have insurance on the things that are big, that would be catastrophic to you if it broke."If you aren't prepared, you'll need to take a hard look at your budget.
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