My Survivorship A to Z Guide
Finances Essential
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Note: This is a sample Survivorship A to Z Guide for a fictitious person we call John. John is just diagnosed with HIV. To view a summary of his answers which led to this Guide, click here.
To get your own free, computer-generated A to Z Guide, click here.
Until your health condition is under control, cash is king. Cash may be needed in a hurry both for uninsured health care and for unexpected drops in income.
"Cash" is US dollars or other foreign currency, and investments that can easily be turned into cash such as savings bank accounts and credit.
- Do whatever you can to keep your credit in tact -- or to improve it.
- Until you have 3 -- 6 months of cash investment available (or up to a year if you have the type of job that is difficult to find):
- Change easily converted assets into cash investments.
- When you must make purchases, make them on credit rather than cash whenever possible.