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Washington Mutual  ATM Card,  Debit MasterCard ®, Gold Debit MasterCard®, Platinum Debit MasterCard® (including WaMoola for Schools® cards), or PIN is Lost, Stolen or Misused; and Your Liability If you believe your  Washington Mutual ATM Card , Debit Card or PIN has been lost, stolen or used without your permission, call us at one of the numbers shown at the end of these Account Disclosures and Regulations, or write to us at Washington Mutual, ATM/Debit, P.O. Box 1159, Northridge, CA 91328. If you believe an electronic funds transfer has been made using information from your check, or someone has or may transfer money from your account, or has drawn or may draw against your line of credit without your permission, call us at one of the numbers shown at the end of these Account Disclosures and Regulations, or write to us at Washington Mutual, ACH, P.O. Box 65934, San Antonio, TX 78265. The best way to notify us of suspicious or unauthorized access to your account is ...

Are you paying your bills as they come in, and not charging more than you can afford? Excellent. Are you socking away money regularly for retirement, perhaps via a 401(k) plan at work? Good. Have you put a hefty sum of money away as an  emergency fund ? No? Well, that  is  a problem -- but it's not an insurmountable one. Take a deep breath and keep reading. Here are a three steps you can take right away to turn that situation around. 1. Understand the concept. First off, let's define our terms. Unless you're independently wealthy, it's smart to have a dedicated emergency fund ready in case disaster strikes. You might lose your job, for example, or experience a costly health crisis. It's easy not to think about these kinds of events, assuming they won't happen to you, but  they do happen to some people , and they can wreak financial havoc. (Even a big  car repair  can throw your finances out of whack if you're not prepared.) How much money are we...