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Resources & Tools

6 Tips For Recession-Proofing Your Finances

It is important that consumers take the time now to start protecting themselves and their families from a potential recession.

A recession can cause serious economic harm, especially for those that have not taken the necessary steps to prepare.

ACCC offers these 6 tips for recession-proofing your finances:

  1. Pay down debt
    Pay down credit cards, loans or student loans to create some breathing room in your budget in the event of a recession
  2. Build an emergency fund
    It’s recommended to save 6 months’ worth of expenses in an emergency fund
  3. Get a side job
    Extra income will help build your emergency fund and help sustain you during a recession.
  4. Cut unnecessary expenses
    Start cutting back on expenses such as shopping sprees, premium channels and going out to eat
  5. Adjust retirement plans
    For consumers nearing retirement, consider putting retirement funds into bonds. For younger consumers, keep funds in stocks to prepare for the economic up-turn
  6. Excel in your career
    Continue to develop your skills so you have a leg up in your company should a recession cause layoffs.
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