Are your finances in bad shape? Are you going through a tough time financially due to circumstances beyond your control? Many people are in the same situation, but there are some things that you can do about it. In most cases, these circumstances are brought about by the loss of income.
There are two things that you can do to correct the problem. You can replace the income that you lost. This means getting a job, or perhaps an additional job. But jobs are not always easy to get. Sometimes it can take several weeks or even months to find a job.
The other thing that you can do to improve your situation is to reduce your expenses. And you can start that right away. If your circumstances are extreme, you may have to cut back on all of your non-essential expenses. Non-essentials include everything except; food, shelter, medical expenses, health and other insurance premiums, electricity, heat, telephone, and transportation. Following is a list of some of the non-essential items that you can eliminate.
You can start out by cutting out all of the premium channels for your cable or satellite TV. If your circumstances are extreme, you might consider getting rid of the TV completely. With out TV, you might even consider reading a book from the library. You can also forget about restaurant dining, DVD rentals, clothes shopping, or for that matter, any kind of shopping. You'll also want to eliminate any kind of snacks or junk food from your budget. That includes those afternoon trips to Starbucks for a tasty coffee. Oh well, you were probably thinking about going on a diet anyway. Of course, this is not a comprehensive list, but you get the idea.
And one final word of advice, leave the credit cards at home and carry only enough cash for gas, tolls, parking, and emergencies. The more extreme your situation, the more you will have to cut back.
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