Also, check your insurance policies, premiums, and consider using resources like sinking funds to cover immediate costs. My heart goes out to everyone!

Get more tips on preparing for the unexpected: www.thebrandsandbands.com/blog/weather...

This is a win, but let’s not ignore the bigger issue: healthcare costs. Fixing that will take even bigger changes.

In the meantime, this rule offers real relief to millions.

What are your thoughts? Will this make a difference for you?

What can you do to stay ahead?

- Know your rights under this new rule.
- Check your credit report regularly to ensure debts are removed.
- Negotiate your medical bills—many providers offer help if you ask.
- Build a medical sinking fund to avoid future debt (HYSA).

Here’s how the CFPB has been working for you:

- Stopped medical debts under $500 from being reported.
- Gave consumers more time to resolve bills before they’re reported.
- And now, removing medical debt from credit reports entirely.

Game changer, right?

The new CFPB rule will remove medical debt from credit reports, helping 15M Americans get a fresh start.

Here’s why this matters for YOU:

Medical debt drags down your credit score, making it harder to get loans, housing, or even jobs. This new rule could boost your score and more!

It’s like “found money” you’re already using, but now it’s working for you. Every dollar has a job, even if the shift gets cancelled.

Canceled plans = carried-over savings. Little intentional moves like this add up fast! 💸

Esp Grocery store gift cards.

Or you could simply give them a note that lets them know that they’re appreciated.

I still love getting gift cards from big box stores (Sam’s, Costco) because of the saving.

And so on.

Tis the season to be smart with your money. It can get a bit expensive outside.

Effortlessly!!!