I know that a lot of people claim that we are in an economic down-time, but for some of us it has always been an economic crunch. Money is the root of all evil, and it is so nice to have, but so hard to get and keep a hold of. Why is that? Why is it so hard to start a savings and have that money for a rainy day? Do you have a savings? How did you get there? What steps did you take? How do you make ends meet?
If you don’t have a savings how do you budget? Or do you budget? What would you do differently if you had a little bit of money to play with? Do you feel that you live beyond your means? How many bills do you have? Do you find yourself stressing out about bills on a regular basis? Do you have debt that you just can’t pay?
Well, a few things that I can tell you about financial comfort, is that it doesn’t exist for most people. I am sorry but it is true. However, you can do things in order to help relieve the stress you feel regularly. First, budget. I know easier said than done, but if you do one thing at a time, it can become something that will help you in the long run. Two, try to do something that doesn’t cost money, if you do then it will open doors for doing more things that do not cost money. Actually this is a good one because there are a lot of different events and activities that your community offers that are free. Three, do not be afraid to tell your partner about your financial troubles. I write this loosely because it depends on the seriousness of your relationship, if you share responsibilities then YES tell her, if you don’t but you’re getting serious then let her know. Four, write everything down that you spend or everything that you need to pay, if you see it then you are more likely to keep to it, or at least know and be aware that it needs to get done. Five, if you have debt and you have a little bit of extra money call the collector’s and make settlements. Collector’s usually just want something so they will settle for what you can give them.
There are about a million other things that we can do to lessen the pain of being broke, but let’s start here. Good luck!