Build a 12- to 24-month emergency fund.

Build a 12- to 24-month emergency fund.

Minimize high-interest debt

Minimize high-interest debt

Prepare to borrow money

Prepare to borrow money

Keep your credit accounts active.

Keep your credit accounts active.

If your mortgage is close to term, renegotiate now

If your mortgage is close to term, renegotiate now

If you have low-interest mortgage debt, stay put

If you have low-interest mortgage debt, stay put

Buy in bulk if you can afford to

Buy in bulk if you can afford to