Financial tips for newly-weds – Doing the ‘Money Talk’

We often promise to our spouse, “For better or for worse, for richer or for poorer” while getting married. But how many of us live up to this pledge in a marriage? But unfortunately, majority of the couples fail to survive either richer or poorer due to bad money management skills. There are some couples who stick to their personal way of handling money which might or might not match with your spouse’s. There are some spouses who even cheat, lie and overspend and this leads to all the mistrust in the relationship.

There is always hope for you but you need to take immediate actions. Money management can be rewarding to bond with your loved one. Here are few tips that the newly-weds can take into account if they want to keep a tab on their finances.

? Keep talking about your finances: Before marriage, it is best to talk with your spouse about your finances as soon as you can. You will need to discuss about the accounts that you have and how much debt you can carry. This will also clear up how much money you can expect to be handled. Inform your spouse if you anticipate him to discuss purchases which are above $100 and ensure both of you have good understanding.

? Write down the financial goals you share: Once you’ve determined your current fiscal status, discuss the long term goals as well and plan the right time to retire. Which of the financial goals do you share with each other? Do you both believe in sticking with a budget? Do you both believing in both of you working or on a one-income family? The more goals that match with each other, the better will be your chance to achieve success.

? Build emergency fund together: If you already don’t have an emergency fund, make it a top priority task. The money that is set aside in case something costly happens like family illness, lost job or natural disaster or a home repair. Save up to 6 months of your household expenses so that you can keep spending money even when there’s an emergency.

? Have money meetings in a week: When you have weekly meetings on money with your spouse, this can help you both stay on track. While you both sit for meetings, discuss how your budget would look for a month. If there are approaching bills that you pay, how should you manage the financial goals and everything else related to money? Such meetings are usually great as they strengthen communication within the spouses and increase the level of trust.

? Save enough for retirement: Whether you’re married or not, you always need to ensure you have enough to keep going in the long run. You need to save for your retirement and in case you work with a company, you should definitely save money in your workplace retirement fund as that is the best way of securing your golden years.

Ultimately, whichever steps you follow, you should never stay in debt. Whenever you accumulate debt, be sure to take immediate steps to repay the debt amount. The more you stay in debt, the harsher will be the impact on your credit score.

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Dealing With Your Finances After A Serious Injury

If you have ever suffered a serious injury, then you will know what a terrible experience it can be. What might compound such an incident even further is if you also have to end up taking time off work so that you can recover. Not only is this a nuisance, but it also means you will be in a poor situation financially. When you have a serious injury to deal with, the last thing you want is to also have to think about your financial situation. Still, if that is the situation you find yourself in, then you had best make the best of it. In this article, we are going to give you some pointers on how to bounce back financially after a serious injury which keeps you away from work.

See If You Can Get Compensation

Depending on how the incident occurred, it is possible that you will be entitled to some compensation of some sort. If you were not personally to blame, then you can probably try and see whether you can gain compensation. To do this, you will need to consult a professional personal injury attorney. They will be able to help you to decide whether you are likely to win a case – and if so, they can help you put it together and present it. If you are fortunate, this could help you out massively on the financial side of things, so it is well worth looking into this option if this happens to you.

Sick Pay

If you are signed off from work for a long time, it is likely that you will be paid some kind of sick pay. However, you should make sure that you personally make the effort to find out how much you can expect to receive, as you want to make sure that you are certain on what kind of figure this is likely to be. Ask your employer what their sick pay entitlement scheme is, and check with your local law to see that you are at least getting the minimum owed to you. There is always the possibility of corruption, so it is definitely worth checking.



If you are fortunate enough to have any decent savings, then you might want to think about using those during this time. Although it is often a shame to use savings in this way, it is at least good to know that you have the option available. If you do have savings, and you decide to use them, then remember that you still want to think about other options which might be available to you. After all, you might want to replace those savings as soon as possible, so the earlier you start thinking about that, the better.

Budgeting Yourself

During this time, it might be wise too to think about budgeting yourself. If you budget your outgoings, then you might be surprised at what a difference this can really make to your overall experience. You might be able to see yourself through until you can land a new job, or go back to your old one.

Make Ends Meet When You’re Out of Action with These Tips

If you get sick or injured for a prolonged period of time, you need to find ways to stay afloat. This is not always easy when you have no means of making money. You can’t get out, and you can’t go to work. But making ends meet can still be possible if you take the right steps and be a bit more clever with your money. So, to get you started, here are some essential tips that will help you get it right.

Cut Out Unnecessary Expenses

First of all, you need to think about how you’re going to cut out any unnecessary expenses that you might have. You should look at the way in which you spend money and see if there are any things that you’re buying that you don’t really need. It’s not just about buying less stuff, though. In fact, you don’t even have to buy less at all. You just have to buy smarter and make sure that you don’t spend money on expensive items that you don’t really need to spend money on at all. There are always cheaper alternatives to things that you could purchase instead.

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Find Ways to Make Money from Home

Making money from home can be a good way of getting around your problem. If you are injured and can’t leave the house but you can still use your mind as usual, then why not find a way to make money from it. You could become a blogger, a proofreader or a reviewer. These things offer you ways to make a little bit of money while you’re stuck in the house. You might not be able to get as much as you would if you were doing your ordinary job. But that doesn’t really matter because it’s all about just making enough to tide you over.

See if You Can Get Compensation

Compensation is another option that should be in your mind when you are looking to get the money you are owed. Of course, this only applies to people who were injured in their place of work. You can visit a work injury lawyer, and talk to them about what you have experienced. If they tell you that you have a viable case, let them take it forward alongside you. You might be able to get enough compensation money to cover you while you get better before going back to work.

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Make Sure You Get the Sick Pay You’re Entitled To

Most people who are in full-time employment are entitled to some kind of sick pay. You should talk to your boss and see if there is a way in which you can get access to this. If your company is hesitant about offering you sick pay, you should be insistent until they can’t ignore you any longer. If you have a legal right to sick pay, you could threaten legal action to make them listen to you. It’s not something that has to go to court, but be willing to take it that far if you think that your rights are being trampled on by your boss.


Accomplishing everything that you want financially – Few doable strategies

For umpteen years now, every December, you resolve to save more money, pay down debt and spend less. If you’re similar to most people, you will have definitely broken the promises by the time it was February. But now that we’ve stepped in 2017, you need not feel disappointed as the behavioral experts say that there are different ways in which you can do things in order to achieve success financially. Are you interested in achieving the goals that you set in 2017? If answered yes, here are the points that you need to take into account.

Start off small

When you begin planning, make sure you start with simple and small financial goals as this is the best way of building confidence to achieve more difficult and long term goals. Majority of the financial analysts say that starting small is smart as you need to take small incremental steps towards your goals. All this can yield bigger results than what you can anticipate. Initially plan on a single financial behavior, for instance start off with saving 10% of what you earn in a month.

Set clear objectives in front of you

Researchers are always of the opinion that writing down goals and seeing them daily in front of your eyes helps you achieve success sooner. If you have definite goals in your mind, you’re more likely to save for tomorrow. It is always good to define the goals in any way which feels comfortable. So, ultimately you have to set a clear objective in front of you. Visual people are more into setting objectives in front of them.

Set yourself important reminders

When you decide on a few goals, you should think of creative ways to keep yourself reminded of all the objectives and also keep monitoring your progress. When you have to pay off your bills on time and you seem to forget them every month, you should set yourself reminders so that your default payments don’t hurt your credit score.

Follow the WOOP strategy

WOOP is not a new word but it is rather the acronym for Wish, Outcome, Obstacle and Plan. Some eminent psychologist used to follow this procedure which was called mental contrasting with intentions of implementation. With the help of the WOOP strategy, you can set goals, identify them and overcome tough obstacles and impediments. For that you need to identify a wish which is challenging enough and which can be fulfilled, determine the best income, note down your obstacles and then create a plan to fight against those roadblocks.

Therefore, if you’re earnestly interested in spending a different 2017 where you can take care of yourself financially, you should take into account the above mentioned strategies. Apart from saving money and paying off debt, you should also get yourself covered properly so that you can get benefits from your insurance company in case of any emergency. For getting professional assistance, you can even take help of a financial advisor.

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Financial Firsts: An Introduction To Your Own Finances

If there’s one thing that schools don’t teach you that they absolutely should, it’s how to handle your finances. Far too often people find themselves thrust out into the world with absolutely no idea what they’re doing and they are expected to wade through the murky, confusing financial waters of adult life without any preparation whatsoever. Well, don’t worry, because this short introduction to your own finances is here to teach you about some of the concepts that you’re going to need to learn now that you’ve been sent out into the world to make your fortune. You might not find yourself needing to think about every single one of them all of the time, but they are definitely going to be the kinds of things that you will be grateful that you knew about eventually. With that in mind, here are a few financial firsts that you might come up against.

Your credit score

If you really want to boil it down to it’s absolute simplest elements, your credit score is a numerical value placed on how much an organization trusts you with money. Your credit score is going to come into play when it comes time to rent or buy a property, buying a car, or taking out a loan. Your credit score is defined by how reliable you’ve been with money in the past. If you have unpaid debts from things like credit cards, then you’re going to have a… less than ideal credit score. But that doesn’t mean that you’re always stuck. It is possible to take out bad credit loans regardless of your credit score. And if you make sure to pay back the installments on that loan, you’ll actually be able to bring your credit rating up significantly.


When you’re living at home, it’s easy to think of your money purely as something that you use to have a good time and buy stuff that you want. When you get out into the adult world, it’s time to kiss that fantasy goodbye.  The majority of your money will now go towards keeping a roof over your head and making sure that you don’t starve, freeze or end up with no clothes or shoes, whichever comes first. This means that it’s time to start thinking about budgeting your money. You need to make a careful note of exactly what money you have both coming in and going out. That way you’ll never get into a position where you’re spending more money that you actually have to spare.


There’s a chance that just reading that word make the hairs on the back of your neck stand on end. But don’t worry, taxes aren’t all that scary in reality, but they are a fact of life and something that you’re going to need to get used to. Taxes are simply a share of your income that you pay to the state to pay for things like schools, healthcare, and other public services. Think of it has you pitching in your little bit to help make the world function properly. If you’re employed, then your taxes will probably be taken straight out of your paycheck, but if you’re self-employed or working freelance then you’re going to need to submit your own tax returns. DO NOT FORGET TO DO THIS! If you do, you could get in some serious trouble with the tax man.

Helping your aging parents manage their finances – How you can be of help

Just as death and taxes are inevitable, it is also true that majority of the people find it tough to handle their finances and make payments on their outstanding bills. The aging population is growing very fast and hence this is a situation which is becoming extremely common. As per the Department of Health and Human Services, by the time we reach 2030, there will be around 74 million people who will have crossed the age of 65 which is much more than twice the number that we saw in 2000. The AARP found out in a report that the number of people who are being supplied as caregivers of a family is increasing day by day due to the increasing numbers of seniors who are getting frail in future. So, here’s how you could help your parents.

#1: Find out all documents and accounts

Whether you prefer doing this or not, but you have to change your role from a son or daughter into a financial detective. You will be lucky if your parents keep all financial papers and documents in an easy-to-find file and otherwise, you’re in for some tough time. Majority of the clues will be on Schedule B where the interested income, dividends listed and the names of the financial institutions.

#2: Plan ahead of time

Are your aging parents still doing well? If answered yes, boost them to organize their financial map, the details of their financial accounts and the safe deposit boxes along with the names of the professionals. If you see that your parents are hesitating to share such details with their growing kids, you can at least learn from where you can get all information in an emergency. If you know this much, that will be enough for you and for your parents.

#3: Start paying off the bills

If you have any sort of concern where you think your parents won’t be able to pay off the bills on their own, you should start doing that on their behalf. Make sure you have a list of all expenses and assets before you pay the routine bills. You may even seek help of a financial planner or an elder care attorney so that you can prioritize about what can be paid first and what can be paid later.

#4: Automate all accounts

Just as it is advisable for a young adult to automate his savings account so that he doesn’t forget to save money, similarly you should automate the accounts of your aging parents so that they don’t have to remember about making payments. There are many aging parents who suffer from dementia and they tend to forget things. During such situations, if you can be careful enough to set their accounts on the auto-pilot system, you don’t require worrying about making timely payments as you would also have to remember your own payments as well.

Therefore, it’s your duty to help your parents when they grow old as they were the ones who taught you about your finances when you were a kid. Now that they’ve grown old and can’t take financial decisions on their own, you may follow the above mentioned tips to assist them.

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Track your holiday expenses to spend a New Year sans debt – Financial apps for iPhone

As we just get out of the festive season and welcome the New Year, this is the right time for a reality-check on your personal financial level so that you know where you stand financially. It is possible to reduce your expenses and start saving only when you are able to track your expenditure religiously. But with the numerous expenses that we make in a year, or more specifically during a season, it’s tough to actually track each of your expenses and also keep a close watch on it. This is where the money tracker apps come in handy.

With the soaring numbers of people who use smartphones, there’s an app for all kinds of tasks and once you install them in your iPhone, you can start keeping a tab on your finances so much so that you get to know about the holiday debt that you’ve incurred and how you can get rid of it. Let’s take a look at some of the expense trackers for iPhone which will help you stay on top of your finances.

#1: Expense Tracker, 2.0 – Financial Assistant

We’ve just bid goodbye to the month when savings surpasses expenses, December because we’ve all spent Christmas in an extravagant manner. The app called Expense Tracker comes in with a built-in budgeting and financial assistant which is designed to manage your finances and suggest you tricks to save money. You just have to access the account through either a touch code or a pass code. Through a PDF that will be sent to your mail ID, you will be given updates of your fiscal report.

#2: Money Control

This is one among those apps which are so promising and rewarding that you can’t stay without them. There is an interesting feature of ‘sync’ which can be done with Dropbox to safeguard your data, secure them and make them easily accessible to you. There’s an in-app purchase which can save you from the large number of receipts. With this app, you can handle different transfers and accounts.

#3: Pocket Expense Personal Finance

Why should you pay a finance manager when you have such a convenient app called the Pocket Expense for free on your iPhone? This app is loaded with full features and it is powerful enough to handle your finances. At the same time, it is very user-friendly, so much so that you can understand everything about your personal finances. You are allowed to track your bills with personalized reminders and this app marks the bill as per the status. So, with this free app, you can single-handedly tackle all your financial areas.

#4: Live Expenses

This has been built for the traveling salesman and for them it offers an easy way of tracking expenses, following a set budget and managing every single penny in a way that keeps boosting your savings account. The best part of this financial app is that the interface of this app seems to be cool enough and it is also user-friendly. The export feature is the main highlight of this particular app. The app also allows you to attach photos, media when you’re tracking receipts. There is enough keying involved in this app and here lies the trick of using it effectively.

Therefore, if you’re eager to track your finances and keep a close watch on your holiday debt so that you don’t have to spend a New Year drowning in debt, you can definitely install one or multiple apps that are listed above. Just make sure you use it and update it regularly.

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How You Can Ensure Disaster Isn’t Followed by Debt

It can be difficult to plan ahead for disaster because it doesn’t make for a particularly pleasant topic to talk or think about. However, if you don’t plan ahead, a personal tragedy can quickly be compounded by financial trouble.

There are a number of plans you can put in place to help you prepare for a more difficult future, but there are steps you can take in the immediate aftermath of disaster that can secure your finances as well. If you want to be prepared as best you can for something that disrupts your usual lifestyle, then here are some tips.

Followed by Debt

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Disability and personal health issues can greatly impact your ability to work, and your life in general. If you want to protect against the financial damage that this could cause, then investing in health insurance is the first step you should take.

Even if you have got insurance, there is still more than you can do if you are struck down by disability. Investigate whether you are entitled to any state benefits as a result of changes to your living circumstances and, if necessary, enlist the help of a social security attorney to help you get the support you deserve.


A change to your employment circumstances can be difficult to take, but planning ahead can help soften the financial blow, if not the emotional one. Take some time to get over a redundancy before you do anything else, but then act quickly to protect your finances. Check to see if you are eligible for any government support as a result of having lost your job and then start creating a financial plan to help you budget until you find new employment.

Take a look at your savings and make the necessary cutbacks. Also, if you’ve been in employment for a long time, you may need some assistance finding a new role. Careers advice and CV tips are available for people on all steps of the career ladder, so don’t be afraid to ask for help.

Spousal death

Perhaps one of the most difficult stages of anyone’s life occurs when a partner dies. As well as dealing with your grief, there are also a number of practical considerations that must be taken care of, many of which will relate to your finances.

Firstly, have any household bills that were paid by your partner transferred to your name in order to prevent late payment charges. After this has been dealt with, you will need to manage the distribution of your spouse’s estate. The mortgage, debts and other financial concerns will all be affected by this.

Damage to your home

If your home suffers serious damage, the main thing to do is to get in touch with your insurer to notify them and learn what happens next. Make sure you document the damage and are honest with your insurer to avoid issues further down the line.

It’s never easy to keep a calm head when dealing with disaster, but that is exactly what’s needed. If you take a moment to compose yourself and think carefully about your finances, you’ll be able to manage your issues much more effectively.

Achieving financial success in the current job market – Set of skills that you need

When it comes to the specific set of skill which one may need in order to achieve success in their career, the first things that come to our mind is the capability to multi-task, efficiency and technical proficiency or ability to handle specialized equipment. But as per studies based on the Bureau of Labor Statistics, it has been seen that in order to grab the most common occupations like nursing, health care, retail and service, there will be an altogether different set of skills which will be in high demand. What do you think would be the most common denominator for such occupations? Do you think it would be social skills? Well, if you thought so, you’re right!

Even though you may not be employed in one such field, social skills are gradually getting extremely important. Employers who are hunting for people in the STEM fields are gradually showing preference for all those applicants who have high levels of social skills and not only those blessed with enough technical skills. When it comes to business professionals, they too require communicating with other departments and predict the needs of the customers, interact with suppliers and also secure funding. In short, if you’re an entrepreneur, your financial success will strongly depend on your social skills which you need to build a network of customers and investors.

Achieving financial success – The social skills which you require

Did you ever have an idea that there are six different sorts of social skills that can have an impact on your monetary success? Well, if you didn’t, here are some skills that you may know about and also try to inculcate.

  • Empathy or perception: You should be able to read accurately and also relate to the perspectives of others and their emotional reactions.
  • Persuasiveness: You should have the ability to convince customers but not manipulate them. After listening to your persuasion, the employees should be able to take certain action for their benefit.
  • Creating good impressions: No, you need not be brown-nosed or fake but you should know how to act in a way which pleases others, irrespective of what you think them to be. Whoever it may be, you should know how to create a good first impression.
  • Confidence: Having enough confidence in yourself about persuading and convincing others can only be possible when you believe in yourself or in your service or product. This will come across a way which will speak of assurance, particularly in positions of leadership.
  • Expressiveness: You should be enthusiastic enough, you should show genuine concern and should be able to inspire others. There’s no use showing unresponsiveness, anger and indifference.
  • Flexibility: Flexibility is the skill to change yourself from one role to another when your customers and co-employees need you to change. Your reactions should change and you should be able to quickly adapt a new tone to accommodate yourself to the new role that you’re playing.

How you can gain such profitable social skills

While some of us are naturally blessed with social skills, some others may not be lucky enough to have them. If you fall into the latter category, you can practice amidst comfortable settings where there’s no one to judge you. Take different kinds of social risks and try to step out of your comfort zone. If there are people whom you admire, try to follow their style and their skills so that you gradually get to know more on using your skills perfectly.

So, you can easily understand that apart from technical skills, social skills will very soon become some of the key considerations to be taken into account during hiring. Hence, take your time to develop such skills so as to grab a good job.

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Don’t Let These Common Things Get You Into Financial Trouble

It might not be something many of us like to admit but, when it all comes down to it, a great deal of our lives revolve around money. Your personal finances are always going to have a huge impact on every aspect of your life. Money is by far the most common cause of anxiety for the vast majority of people, and nothing serves to increase that level of anxiety than being forced to reevaluate your financial position. No matter what you do; there are always going to be things that affect your finances in both positive and negative ways. Of course, that doesn’t mean that you’re powerless to do anything about it. There are always ways in which you can avoid getting into serious financial trouble, even in the face of an unexpected event. In order to help you navigate those, occasionally rather muddy, financial waters, here are some of the more common things that might negatively affect your finances, and what you can do to keep yourself afloat during any difficult times.



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Spending any amount of time unemployed is one of the things that the majority of people are understandably pretty scared of. After all, how many of us could really continue to live our lives without a reliable source of income. Losing your job can have some seriously far-reaching repercussions on your life as a whole. Not only does it put you in a scary financial position, but it can also affect you on a deeply personal level. This is especially true if your work was a big part of your life and identity. Without it you can feel adrift and confused, it can lead to tensions within relationships, and even periods of depression. The biggest problem that a lot of people face is that these feelings prevent them from being able to get back out there and find a new job. It can be so discouraging to be made unemployed that finding the motivation to go job hunting can feel downright impossible. Fortunately, there are plenty of things that you can do in order to minimize the negative effects of being made unemployed, and most of them come down to planning ahead. It might seem cynical, but it really is important to plan for something like this, even if things seem to be going well. Start putting money away into a savings account for this purpose alone. Even if it’s just a small amount each month, over time, it will build up and can offer you a buffer in the event that you find yourself without a source of income. The other important thing to do is keep your resume as up to date as possible, that way you don’t have to spend extra time and energy on it when you really just want to be spending your time actually looking for a new job. If your resume is ready at a moment’s notice, then you can jump straight into the job hunt without any delays.


Getting A Cast On His Arm

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There are few things in life that are more traumatic than being injured in some form of accident. Of course, the most obvious thing to come from it is the physical injury itself. But a lot of people also find themselves experiences some severe psychological and emotional trauma as well. All of these things combined can make getting back into your daily routine extremely difficult. Even if your body is fully healed, your mind may not be and that can make working, having functioning relationships and even leaving the house extremely difficult. Not only that but you may also have to deal with extremely large medical bills. Even if you can still work following an injury, those bills are going to cause your finances to take a serious hit. Again, this is a time when having some savings set aside is a great idea, anything that can act as a financial cushion for you is very helpful. But in this case, you’re almost certainly in a position to make a legal claim against whoever was responsible for the accident, whether that’s your employer or another driver on the road. Go to for more information about the kind of legal representation that you could be entitled to. Some people are unsure about hiring a lawyer following a situation like this, but when you’re put into a bad financial position as a result of someone else’s action or negligence, then you have every right to at least some degree of compensation for that.

Having a balance on your credit card

How many credit cards should I have?

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Credit cards can sometimes be a pretty risky financial proposition. Of course, plenty of people have credit cards and are able to manage their finances carefully without running into any problems, but that doesn’t mean they don’t come with their own set of problems and risks. The point where people get into trouble is when they start carrying a balance on their credit cards. If you’re carrying a balance on your credit cards that means you’re going to start paying higher rates of interest on your purchases. This, in turn, causes you to spend more and more on each purchase that you actually have to as the interest piles up on top of the price of your purchases. There’s nothing wrong with having a credit card, but you should always try and make sure that you pay it off as regularly as you can. That way you can avoid facing high-interest rates, and you also make sure that your credit score stays reliably high. Nothing damages your credit rating more than unpaid credit card debts.

Irresponsible spending


There’s a saying that the most obvious solution is probably the correct one, and that applies here as well. A lot of the time, you may find yourself in a risky financial position and won’t be able to pinpoint why that is exactly. Nothing especially dramatic or significant has happened in your life, and you can’t quite fathom exactly what it is that could have caused your finances to take such a hit. If that’s the case, then the likeliest answer is probably just that you need to get your household spending under control. It might be down to you, your partner or both of you, but the most common reason that people run into money troubles is simply that there weren’t responsible enough with their money. You might think to yourself “that can’t be right! I only spend a little bit here and there, surely that’s not going to put me in any danger?” But the problem with this line of thinking is that those little purchases here and there start to add up pretty quickly. In fact, if you were to add together all of those small purchases that you make over the cause of a month you’d probably be shocked at just how much you were actually spending. The solution to this problem is probably pretty obvious: be more careful with your money! Of course, there are some useful things that can help you do this. The best thing that you can do is to create a detailed household budget. Make a clear note of all of your regular incomes and outgoings. That way you can see exactly how much you have before doing any extra spending. Once you know that you can set yourself a very clear limit on how much you should be spending over the course of a month. It’s a simple, mostly psychological change, but it can drastically change your relationship to your money. You may want to start saving as well but the most important thing at the start is just to get into a position where you’re not losing money every month. Once you’re in a position where your finances are more secure on and monthly basis, that’s the point when you can start thinking about putting money aside for a rainy day.


Money might be a cause of anxiety for a lot of people, but the most important thing to remember is that you’re not powerless when something bad happens. The biggest pitfall when you got into a situation like that is to end up feeling so discouraged that you can see a way out of it. Your finances might take a hit but there are always ways to work around it. Whether it’s through small things like cutting back on non-essentials in order to stick to a tighter budget, or by doing something significant like taking on a second job or relocating to a smaller property. If you’re in a financial rut, it can often feel close to impossible to pull yourself out of it, but you simply have to remember that you’re never out of options and that you shouldn’t let your money worries stop you from living your life.

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