If you are currently struggling, but surviving tough financial times right now, it’s important that you take care of yourself, your family, and your finances.

Keep in mind that it’s normal to be nervous, scared, and uncertain. However, your most important job is to secure shelter, food, transportation, keep family close, and prioritize.

Here some things to consider to help you get through the tough financial times:

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1. Contact Your Creditors

You can never get what you never ask for. See what you can do about negotiating with each of your creditors on delaying or deferring payments.

Pay the most important creditors first and know your rights. If you can pay your bills, pay them.

Check out some helpful resources HERE.

2. Prioritize Your Finances

It’s a good time to figure out what are your needs and what are your wants.

Figure out what is a priority for your finances and what isn’t so much of a priority. Perhaps you can build your budget and write out your financial goals during this time.

CLICK HERE FOR 3 Things to Do to Increase Your Wealth

3. Stay Sharp Spiritually

Pray, fast, meditate, and do what you have to in order to keep a good spiritual mindset.

When times are tough, that is when you need to stay strong spiritually. Listen to something motivational when you wake up in the morning, or something that will stir your spiritual self.

Be intentional.

4. Stay Sharp Mentally

Surviving tough financial times offer an opportunity to grow.

Learn new information, read a non-fiction book or two, learn a new skill, or spend some time training yourself to do something that you’ve always wanted to do.

Part of avoiding feelings of frustration and depression, involve keeping your mind sharp during this time.

Click HERE to check out 5 book recommendations.

5. Stay Sharp Physically

Eat right, exercise regularly, and walk daily.

Click HERE to check out an awesome video about the benefits of walking daily.

If nothing else, just move more and eat less. Take the opportunity to leave fast food alone and start cooking your food.

Develop an exercise routine and stick to it. You don’t need a gym.

You get one body, take good care of it because it matters.

6. Limit Your Screen Time

You have to get away from the media, including television, social media, emails, etc. These things simply add to fear and anxiety.

Often times there is so much information that you don’t know what’s true, what’s false, or what’s made up out of thin air for some unknown agenda.

Better to use precaution and watch only enough of the news and social media, as possible.

It’s possible that less screen time can help relieve Stress.

7. Develop other streams of income

Consider starting a side gig.

There are so many ways to make money nowadays, especially online. If you have a home computer, or even just a cell phone, you can create income for yourself.

Click HERE to learn how to get 12 Tips For Selling On eBay

Click HERE for 40 great side hustle ideas to make $1,000 or more per month.

8. Volunteer

No better time to relieve some stress, and no better way than doing something for someone else.

It would be a great time to volunteer your time and energy to a worthy cause to help relieve some of the pressures.

Surviving during tough financial times could mean volunteering to counsel or work with people that may be struggling in an area.

The most important thing is to keep your head up and don’t get down on yourself.

Keep in mind that this is just a season that we are passing through and tough times don’t last forever.

Keep telling yourself that you will survive and you will thrive. If I can help, feel free to contact me.

ABOUT THE AUTHOR

Eric is the founder of Smart Money Bro, a blog about empowering people and discussing practical ways ordinary people can be extraordinary with their money. He only writes about things that he has done, and that actually work.

He’s made mistakes and has turned his financial future around and is now in the position to help others do what he’s done. Read More