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Overcoming Financial Challenges

You might be on the bright side right now without any financial problem and hopefully will stay in there forever. But if dark times come and you plunge into debt, do not lose hope. There are ways to overcome this struggle in your life.

Make a list

List down all your debts, expenses and also your sources of income. Gather all records of receipts, contracts, and bills; get your copies of mortgage and other loan agreements. This’ll help you track the flow of money and how you got into the financial dilemma you’re in.

Regardless of how much you spend on your expenses, keep the receipts or any form proving the transaction happened. They can prove to be useful in the future like tracing cash flow and filing tax exemptions.

Make careful decisions

Remember, you don’t make life-changing decisions when you’re in recovery. You might regret your decision in the future when you’re in a more stable position.

Be wary where your money goes! There are fraudulent “investment” companies out there claiming they can lend a hand if you join them. They’ll ask for a little cash that you’ll need to invest for a chance of doubling that amount when the money has circulated. Be cautious of this type of scam.

Always gather more than ample information about anything before making decisions.


Save as much as you can from what you have. Make sure that money coming in is greater than money coming out your pocket.

If a problem arises that requires you to take some money out of your pocket, look for alternatives first. There are always other options to tackle a situation.

Look also for other sources of income to increase money influx.

Seek advice

If all is too difficult for you to comprehend, ask for help. Seek the advice from a credible credit counselor. The U.S. Trustee Program has a list of counselors that can advise you in your financial problems. Don’t worry for the fee as they are paid by the government so you won’t need to spend a cent on them.

Also, gather ample information about what your credit company can do for you to alleviate your current balances. Many of them are willing to help you in your situation and can make adjustments according to your needs.

Look for other possible solutions to your problems. Study stuffs about money and investment but don’t make rash financial decisions. It’s just good to know a thing or two about investments as you might need it in the future.


Cut down on unnecessary purchases. Buy only things that are necessary for you to live. Learn to prioritize those that need immediate concerns over those that can wait for a month or so.

If you can walk rather than ride a bus, do so. Look for alternatives that could save you money. Recovery won’t be easy so you really need to sacrifice a lot in order to regain balance.

Stay positive

The most important of all tips is to have the proper mindset. A positive thought process lets you see the bright side of things and can help your heart and mind steadfast.

Sulking and blaming yourself won’t get you anywhere. What’s done is done. Move forward. The vital thing is you’re fixing things and you’re confident that you’ll get through this. It’s just a phase and a small chunk of your life.

Seek moral support as this would be your greatest source of strength aside from your mindset.

Recovering from a major financial problem will take a lot of time, patience and dedication. It doesn’t matter if you’re taking baby steps as long as you’re walking forward and straight ahead.

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    For those having trouble saving money voluntary, a payroll deduction into a special account set up just for that purpose makes the process painless and unnoticeable.