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Need a sofa, washer/dryer, TV, or new tires? Don’t have the cash or credit to buy them outright? You may be considering rent-to-own: simply make weekly or monthly payments for a while and you own the goods.

Your email’s been hacked — what do you do? Your computer’s been hijacked by malware — how do you get it back?

1. How can I make it stop? You signed up for the Do Not Call Registry ages ago, but you’re suddenly getting a bunch of unwanted calls. What can you do? Hang up. When you get illegal sales calls or robocalls, don’t interact in any way. Don’t press buttons to be taken off the call list or to talk to a live person. That just leads to more calls. Instead, hang up and file a complaint at donotcall.gov.

I don't know about you, but I’m about ready to say "uncle" to Old Man Winter. This year's record-breaking snowfalls, downed trees, roof collapses, mudslides, flooding and frozen pipes are leaving overwhelming clean-up and recovery in their wake. If you're thinking about hiring someone to help you dig out, keep these tips in mind:

Roughly one in six Savers has selected paying off consumer debts as their wealth-building goal. That does not come as a surprise since, along with modest incomes, large consumer debts are the most important financial reason that people have trouble saving and building wealth.The good news is that there is hope. With planning, discipline, patience, and maybe some outside help, almost anyone can reduce their debts and start to accumulate wealth.

Most of us appreciate a sturdy umbrella on a stormy day. We don’t always know when we’ll encounter rain, but unless we live in the desert, we know that eventually rain will fall. So we buy umbrellas, raincoats and boots to protect ourselves against the inevitable downpour. Rainy day funds, or emergency savings, protect us too. We can’t always predict when we’ll have a money emergency, but we know that eventually a financial crisis will arrive. Setting aside money in a rainy day fund shelters you from a financial storm.

Building an emergency savings fund is one of the top goals of Military Savers. Why Build an Emergency Fund This is a sound choice. Having an emergency savings fund may be the most important difference between those who manage to stay afloat and those who are sinking financially. That’s because maintaining emergency savings of $500 to $1,000 allows you to easily meet unexpected financial challenges such as:• repairing the brakes on your car;• buying your child a new pair of needed shoes;• replacing a broken window in your house;• paying for a parking ticket; or• flying to visit a sick parent.

Unexpected expenses come in many forms and can quickly get you into debt or push you further into debt. Prepare for these unexpected expenses with an emergency fund. Life happens when we are busy making other plans. It never fails, you wake up ready for a normal day when BAM you get a flat tire on the way to work. Your son comes home from school with a toothache. Your husband hurts his back performing his touchdown dance ritual during the big game. The unexpected is expensive.

Apps can provide hours of entertainment, keep you organized, and help you learn something new. Indeed, apps can be helpful, as long as they provide accurate information. But if you’re trying to analyze a serious medical condition with an app — like whether that mole on your back might be a sign of melanoma — talk with your doctor or another reliable medical professional first. As recent FTC cases show, some health apps make claims they can’t back up.

Set a goal, make a plan and save automatically -- words to live by from Military Saves. Military Saves Week begins today. Take the Military Saves Pledge and get lots of tips and support for your savings plan. Check out this video from SEAC Sgt. Maj. Bryan Battaglia, Senior Enlisted Advisor to the Joint Chiefs of Staff, and Mrs. Lisa Battaglia.