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How to Protect Your Family Finances

July 15, 2022 By Christine Field

This post may contain affiliate links.

 

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When you grow a family, it becomes more important to ensure that your finances are protected. While you can make a plan for the future, you never know what is going to happen. You should take a proactive approach when it comes to securing your finances. This will ensure you are well protected should the worst happen. 

Your finances can be at risk for many reasons. It might be that someone steals your identity and financial information, or you are trying to equally split your finances in a divorce with your family law solicitors. 

Regardless of the circumstances, everyone is at risk of a life-changing situation. If you encounter one of these problems, you will likely experience a lot of emotional stress and frustration, as you try to piece your life back together. Protecting your finances in advance means going beyond the basics to help you significantly reduce the risk of finding yourself in financial trouble. 

Here are some top tips to help you protect your family finances. 

#1 Password safety 

It is common knowledge that you should have a strong password and should not share it with anyone else. But what constitutes a strong password a few years ago has changed now. Technology and cyber attacks are becoming more sophisticated by the day, and a password with a number in it just won’t cut it anymore. Instead, you should make it as long as possible, and use a combination of numbers and special characters at random. You should never use the same password with your finances as your other logins, and where possible, use a two-step verification process. 

#2 Safety precautions

You should take additional safety precautions when it comes to your finances. Firstly, you should sign up for credit report alerts so you can be notified if there is any activity on your account. You should also only log in to view and manage your finances on secure and trustworthy devices, such as your home network. Don’t ever log in to your bank accounts when you are on a public network. There is a range of other safety precautions that you can take, such as:

  • Using a shredder
  • Going paperless
  • Not opening email attachments that you don’t know 
  • Don’t accept requests on social media if you don’t know them
  • Using adequate security software

#3 Diversify your finances

It can be a good idea to spread your finances around into different accounts and investments. This will ensure that if you are ever a victim of a cyber-attack or identity theft, it makes it much harder for them to access all of your assets. It will also ensure that if one account gets hacked, you are not left with anything. 

If you have a spouse, you may also wish to keep your finances separate or opt for a hybrid approach and keep some money separate, and share some funds. This can keep your finances safer if one account were to be hacked, but it will also help you to preserve your financial autonomy. 

There are many ways that you can protect your finances and take control. Follow these top tips to help you get started.

Filed Under: Home and finances Tagged With: family finances

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Hi, I’m Christine

Have you been a wholehearted mother, but time, toddlers and teenagers have moved on? If you are wondering what comes next for you, you’ll feel right at home here.

Or, are you a mom for whom family life has been non-Pinworthy and parenting has been downright painful? I hear ya. There are many of us around.

Are you looking for a life full of exploration and adventure after the nest empties, but maybe you have no idea how to go about doing that? Stick around! We’ll explore adventures together to help you gain more clarity for your own path.

After a couple decades of writing books and articles about parenting, homeschooling and adoption, speaking to homeschoolers and other parent groups, and reaching out to the mom in the trenches who was trying to make the best of it - my kids grew up. Some grew up and grew away. I was determined to find a way out of the pain, emptiness and lack of direction.

For many of us, the journey starts with something we moms are not accustomed to. After years of caring for and serving others, sometimes we forget the beauty and wonder of US. We need to spend some time getting to know the parts of ourselves that have lain dormant, and take the time to explore interests and passions that we set aside.

I’d like to invite you to get the “What’s Next for Mom” workbook and jump into this growing tribe of Moms who are emptying the nest and filling the life! Let’s reignite your Mojo after Mothering!
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About Christine

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At Real Mom Life, my passion is to provide resources and reassurances for moms facing the surprising challenges of family life. In my writing and speaking, I explore solutions to unexpected issues in adoption, homeschooling, special needs, and more while encouraging moms to extract the maximum joy out of each day. Read More…

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