I often tell Black Homeowners the best way to survive the current financial climate is to make sure you have a fortress of protection around your finances. Financial protection doesn’t always have to mean denying yourself and your family the necessities or even some of the luxuries in life. But it does mean spending your money smarter so it stretches farther. Your money should also do more than one task at a time (multi-tasking money, how cool is that). Your money should also help protect your other assets.

Many African American homeowners experiencing financial hardship today failed to build a fortress around their finances. Not building a fortress around your finances is causing many people’s debts to snowball and eventually overtake them.

Here’s three simple ways to build a fortress around your finances. I call it my “Triangle Fortress”. The three sides of protection is Quick Decisions, Account Protections, and Smart Shopping.

» Read more: Black Homeowners Guide – How to Build a Fortress Around Your Finances