My friend has been struggling recently with her finances. She married an ex-boyfriend after her husband was killed. The new husband went through the money she received for the death and dug her back into debt after she had struggled to get free. Now she’s alone again and having to face the debt, the empty savings account and four children that expect the stay at home mom to provide for their needs.
It seems that when things are at their worst is when you get hit the hardest. Instead of throwing in the towel or trying to bury your head in the sand, take the bull by the horns and get started right now on fixing the problem.
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1. Find creative ways to make some money – she is looking at using her love of writing to start a freelance writing career.
2. Talk to creditors – if they know you are facing a problem BEFORE you get behind then they are much more willing to work with you.
3. Start rebuilding the savings – even if it is just a few dollars a week, having some money set back will make any situation feel a little lighter.
4. Ask for help – when every rug imaginable has been pulled out from under you it is time to reach out to those that you trust and ask for some help (guidance, accountability and yes even financial).
No matter how bad things get there is always hope. The key is to start right now to make the bad days a part of a past instead of allowing them to control your future.