Despite the best of intentions and careful planning, you may find yourself facing a financial challenge when you least expect it. A furlough, layoff, illness, or emergency can crop up suddenly. Life can be full of surprises for veterans and military families, so, when faced with unexpected expenses or loss of income, what can you do to keep yourself afloat and your finances on track?

Every November, people put out social media posts to honor family and friends who’ve served in the military. But did you know that servicemembers and veterans reported losing more than $350 million to fraud last year? Chances are, fraud has happened to someone you know. This year, make sure your Veterans Day tribute includes ways to help veterans, servicemembers, and military families spot scammers.

Looking to get or switch your Marketplace health insurance during open enrollment (November 1, 2024 – January 15, 2025)? Don’t click on ads that say they offer free things like phones or cash cards for gas, groceries, or bills to those who enroll in a health insurance plan. They’re probably scams. The same goes for ads showing a famous person supposedly endorsing an insurance plan or services: That “person” might be a computer-made fake.

Mortgage interest rates may be on the way down, but scammers’ false promises are likely on the way up. If you’re looking to lower your mortgage payment — by refinancing your home or VA loan — learn about your options and how to avoid mortgage relief scams.