Remind yourself daily that you are not perfect. Nobody is. We all make mistakes. We all have flaws. We all have strengths and weaknesses. We all have good days and bad days. Don’t let anybody break you down. Be Strong! Follow these steps.
Learn to budget:
· Pay your bills on time or before the due date, if possible
· Buy only what you can afford.
· Pay a little extra on debts when you can to reduce them faster and increase your credit rating.
· Do not frequent the malls
· Shop with a list and stick to it as much as possible
· Use coupons when possible - it is not about being poor or cheap, it is about smart saving.
· Avoid taking small ticket items on credit
· Treat yourself every once in a while not all the time
· Learn the art of denying instant gratification
· Put some funds aside for emergencies and watch your money grow
Do not avoid or ignore bills or creditors
· the situation is not going to go away
· It will only get worse if you do.
· Make small arrangements and try to stick to them - let creditors know if you are unable to keep your arrangement and make new ones with them
Accept your current situation and deal with it:
· Do not lie to yourself by pretending that things are better than they are. Yes, we all wish we were rich or have more – but the fact is we aren’t.
· Don’t follow the Joneses or the whomever?
· Live within your means
· Things will get better if you deal with them.
Finally, exercise and laugh a lot.
· Try to find humour in every situation (even the bad ones if it is even after the dust is settled).
· Don’t take yourself so seriously or everybody else will.· Learn to say yes to yourself and no to others—it may sound selfish, but you won’t be stressed.
· Be kind and thoughtful.
· Don’t forget to breathe!
People who understand and manage their life are more confident, and independent and have less stress in their lives.
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