How to overcome a personal financial crisis: step by step guide

The air around you is literally ringing from stress when you understand that we must urgently do something. Usually, this condition does not occur at once, a long time it is generated from small pieces, pouring the power, and then falls on you, creating a shock wave of anxiety and fear. Everything suddenly slipping through his fingers. And when you decide to truly evaluate their financial condition, results of shake you to the ground.

The only way to swim out of the muddy water - take your panic under control.

Step 1. Stop wasting time

When faced with a stressful situation, many people use tactics "do anything, just do not think about the bad." Spend time and energy on things that have no relation to the problem. So they try to distract yourself a little bit, but what scared then again look into the eyes of reality!

Stop! Focus only on the problem! If you feel too overwhelmed to think about it, to fully relax, to attack it the next day with a fresh energy.

So, having overcome fear, you looked into the bottomless eyes of its financial crisis. Now we start to act.

Step 2. Stop wasting light

Most difficult during the financial crisis - haunting you feeling hopeless. Money constantly run out, but you can not understand what exactly you spend it. The accounts are empty, and it's scary.

At this point you need to stop the leakage of the most obvious and easiest way to do this, cut off his path to impulsive spending:

• Leave credit cards and most of the cash at home;
• disable online banks.

This, of course, like trying to plug a leaky bucket with a cloth. It can not be called a complete repair, because the water is still overcome this obstacle, but the time you stop the flow and get a head start, to come up with a better solution.

Step 3. Look for money at home

Stress overtaken by the financial crisis have constantly aggravated by a pressing need for regular expenses: it is necessary to feed the family well, or yourself, to dress, to pay for an apartment ...

In this situation, please refer to the resources that you already have. Certainly it appears that at least a week, you can eat one meal, which is on the shelves and in the refrigerator. You just got used to all the time something to buy more. But dismantling the cabinets and pantry, you will find that there are still enough decent clothes and shoes.

By the way, during the excavation of you are likely to find, and what you can sell. Do you have the money at home, look for them and do not rush to open the wallet.

Step 4. Develop a plan of salvation

You stopped explicit monetary leak, what's next? Now you need a plan for bringing the finances in order. The reasons for your distress may be different: the sudden dismissal, health problems, which required large financial investments, too heavy a loan, and the like.

You need to explore as many materials about how to proceed in your particular situation. Believe me, you are not the first encounter with it, and therefore probably find a lot of tips and solutions.

Based on them, build your own exit plan from the crisis. When it's in your hands, you will feel fear and stress gradually let go of you.

Step 5. Every day to do something

No matter how tough was your plan, it is useless if you do not do anything. It is necessary to implement it. Each of your active step will improve your mood and reduce tension.

Sold an unnecessary thing - immediate payment of a part of the debt on the loan. If you suddenly fired, stand up to the Labor Exchange to temporarily receive benefits.

Constantly refer to your plan and think of it, you can do right now. And to make - look again. And so every day.

Step 6. Talk about it

The best ideas often come to us in the head in those moments when we start to talk about their problems. If you're an extrovert, you will be helpful to talk with someone you trust completely: explain the situation to him to the last detail, and you'll be able to look at it in a new way.

If you are an introvert, you will help diary: Tell all the paper, do not think that it would be messy. First, write, and then try to organize these records.

When we talk or write about the problem, our subconscious is considering it and pulls out from the depths of unexpected solutions.

Step 7. Do not hide anything from your partner

Financial problems are leading factors in the list, dividing marriages. Money matters themselves are often the cause of quarrel, and if your union already have other cracks, the financial crisis will accelerate the break.

The best solution - honesty. Do not hide anything from your partner. Put all the cards on the table. Admit your mistakes and omissions.

healthy marriage It is impossible without mutual honesty. And if you expect it from a partner, start with yourself.

Step 8. Eat a healthy diet

To combat any stress, whatever it was called, it is important to a healthy diet. Discard all semi-finished products and give preference only healthy and natural products. Anticipate objections wave from readers who say that healthy food - it is now more like a luxury. And yet, try to find a balance: use various cereals, natural meat and poultry, vegetables available. Not so long ago we wrote about how to save on food without compromising quality.

Unbalanced diet leads to poor physical and mental condition. And when you face a crisis, malaise will be very disturb you.

Step 9. Keep fit and fully relax

Sleep and exercise go hand in hand, reinforcing each other's effect and promising you an excellent physical and mental health, which is so necessary to deal with stress.

Daily Take time for a small charge and a walk. You do not need to be killed in the gym, pumping biceps reinforced concrete, you just need to be on our toes.

Sleep enough time. Go to bed early to wake up not by an alarm clock, and in accordance with your own biological rhythms. Thanks to a healthy sleep your mind is clear, and the mood - good.

Step 10. Use your free time for fun

Last piece of advice: Find your passions free. Do not confuse this with studies which allow just to pass the time, such as Web surfing, for example. Find something that you are immersed in the head, something that brings you pleasure and leaves happy aftertaste. Spending free time for such pursuits, you will strengthen your morale.

Financial crisis - an ordeal for all of us. But you understand that if give up and try to leave everything as it is, the better is not exactly be. Stay, go forward with a clear mind and a strong spirit and solve problems.

Good luck!