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Just because inflations coming down doesnt mean that families are feeling the effects.

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Theyre focused on the day to day and surviving.

An unexpected expense can really cripple someones budget, Callagan said.

This can range from things like medical bills to abroken appliance or car repair.

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Say you get rear-ended by an uninsured driver, he said.

Additionally, he pointed out that a lot of people dont know that Medicare doesnt coverdental or vision.

So eye problems or dental work can easily add up, he said.

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Humans dont live their lives in spreadsheets.

So giving yourself some grace […] will help avoid the stress, he said.

Choose Your Attitude

Cole knows that cutting expenses can also sometimes create its own kind of stress.

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Banks also offer ways to get free money, Cole pointed out.

Dont keep it in aregular savings accountbecause youre just giving up free interest on your money.

Also, leverage your internet.

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