*This is a collaborative post. 

Accidents and incidents happen all the time - they can’t be helped and we never know how they will happen or how bad they will be. It could be something minor where you are out of work for a week. On the other hand it could be something more severe where you are out of work for a few months. When things like this happen we can feel lost and let other things get on top of us. But there are ways you can protect yourself and your home in difficult times.


There are a few things you can do in day-to-day life to prepare for unexpected hard times. The main one is to have a little nest egg to be able to fall back on if you need extra finances at a moment's notice. While this can be really difficult for many people based on their income and the lack of having additional finances after paying for necessities. If saving money is a possibility for someone, saving can be made simple by putting a small contribution of money into a separate account that can be built up. Many credit unions or savings accounts even add interest to what's deposited, which can even increase the savings being stored. These times of savings can be helpful if emergency cash is needed. They say saving three months of pay is ideal in case of emergency, but honestly any little bit can help if three months seems impossible and unrealistic.


An accident at work or on the road can be a scary and overwhelming thing. And if it isn’t your fault, it can seem even more frustrating since you can’t control what happened but have to deal with the consequences. If it was on the road you may want to reach out to a truck accident lawyer as they can give legal advice on what can be done and how to look into getting compensation if it is due.


Another way to make life a little easier during a difficult time, especially for someone out of work and at home recovering, is by reviewing all the bills and outgoings. Changing companies or tariffs can possible make them cheaper. There are a bunch of different ways to reduce bills and outgoings, so it should be a top priority for anyone trying to save up for possible hard times.