“ It is a great plan for people to have three months of their average monthly income in savings.

“ If you can afford to and don’t already have a degree, I suggest trying to work on one. If for some reason you find yourself in a situation without your spouse, it could greatly improve a devastating time knowing that you can at least support your family on your own.

“ Invest in your life to protect your most valuable assets: your family.

“ The biggest part of planning for the future is to keep an open communication with your spouse.

“ There are several ways to prepare for the financial future of your family, such as savings, investments, retirement, educational funds and insurance.

“ Get life insurance so that your family can cover the expenses that your employer currently covers.

“ Knowing how affordable Allstate Life Insurance is now I know where to go to get started on protecting my loved ones when I die.

“ Most people feel overwhelmed when they think about life insurance. An experienced Allstate agent can talk you through your situation and help you plan for the future today

“ When our children were born we immediately started savings accounts for them and started putting a minimum of $20 in their accounts each week. By saving even $20 a week, it adds up to a whopping $960 a year.

“ Employ a few frugal tips in your living and eating habits to have more to set aside.