Having stable finances amidst the pandemic has become more crucial than ever. The rising costs of healthcare and rent are crippling, especially to low-income families. Worse, economic uncertainties persist as the threat of the Omicron variant emerges. Also, unexpected home and car damages may happen during this freezing season. Despite the improvement in the labor market, the employment rate has not bounced back yet. It is no surprise that more people are willing to accept lower wages to make ends meet. We are more concerned about today’s concerns due to a lack of resources. So, we do not have…