Issue link: https://viewer.e-digitaledition.com/i/1297975
AACREDITUNION.ORG | 5 Rainy day fund We all know the importance of saving for a rainy day, and the COVID-19 pandemic has proven that it's important to be ready for disasters. It's never too late to create an emergency fund. Start by taking a hard look at your household budget and put nonessentials on pause for now. Chances are you're already spending less on gym memberships and movie tickets, so the cuts may not be as painful as you expect. Take stock of any potential sources of cash: stimulus checks, tax refunds, bonuses and commissions — even loan deferments. Had an event that was canceled? Put that reimbursement aside, too. And if you're like most people, you've spent the past few months at home, cleaning out closets and storage areas. Take that stash of books, clothes and toys and sell it online or at your local resale shop. Shift all savings to your newly minted emergency fund with a small, attainable goal in mind. Even a little nest egg is better than none at all. — G. M. Say yes to the … app Now that we're all standing 6 feet apart, a big question looms over the fashion industry: When will we shop again? And how? The Yes app may have the answer. This new startup customizes online shopping with algorithms designed to elicit style preferences through a simple "yes" or "no" response, just like a department store personal shopper. But this experience is virtual, with images from hundreds of favorite high and low brands. The result? A curated "yes" list — complete with sales alerts. — G. M.