April is National Financial Capability Month, when the Financial Literacy and Education Commission (FLEC) and the Ready Campaign encourage people to improve their financial futures and to be prepared when disaster strikes.

Here are three actions you can take now to make sure you are ready for any financial disaster, big or small.

Have a Disaster Plan for Your Finances

Sure, you keep bottled water, canned goods, flashlights, and batteries close at hand, but you should also have a disaster plan in place for your finances.

The first step is building and maintaining an emergency fund, Then you can make sure the rest of your finances are in order.

The Federal Emergency Management Agency (FEMA) offers a Free Financial First Aid Kit that is great for identifying all your important financial information and then helping you keep track of it. CLICK HERE to download FEMA's Financial First Aid Kit.

Check Your Financial Well-Being

Just like you should go see a doctor once a year for a check-up, so too should you assess your financial wellness. Business Finances

The Consumer Financial Protection Bureau (CFPB) has a nifty tool that lets you take a ten question quiz that not only evaluates your financial well-being, but also compares you to other Americans in your age group.

Then it suggests ways to improve your score and where to find help.

CLICK HERE to visit the CFPB website and take the financial well-being quiz.

Make Sure You’re Properly Insured

Review your insurance coverage. Most homeowners and renters insurance policies do not cover flooding, so you may need to purchase a separate policy from the National Flood Insurance Program.

An inch of water in your house can cause $25,000 of damage and 20 percent of flood claims come from areas outside of flood zones.

Think because you’re a renter you don’t need insurance? If you don’t have renters insurance, and you lose your personal property to theft or disaster, you will have to replace everything out of pocket.

Let America Saves help you save money.

It all starts when you make a commitment to yourself to save.

Take the first step today and take the America Saves pledge to save money, reduce debt, and build wealth over time.

CLICK HERE to visit the American Saves website and learn more about the Free advice and more you get when singing onto the Peldge to Save.

And it doesn't stop there. America Saves will keep you motivated with information, advice, tips, and reminders to help you reach your goal.

Unsure if you've achieved the level of financial success you've strived for? Give Directors Choice Credit Union a call at 800-593-5920.

Speak to our Member Services Specialists Chris or Linda, they can help you get on track!