It can be depressing and frightening to realize that you do not make enough money to cover your monthly expenses. This can happen, especially if you have overextended yourself with debt. It can be even worse if you are being paid with a prepaid debit card with hidden fees. There are many signs that you need to earn more money. This situation requires immediate action, and you should do all that you can to turn the situation around as quickly as possible. Managing an irregular income can make it harder to recover from this situation. You should take a five-step approach to solve the problem, and be working on these areas at the same time. This can help you break free from the financial rut and move out of survival mode, so you can be successful with your finances.

1 Reduce Your Expenses

First, you need to find ways to reduce your expenses. There is almost always at least one more area that you can cut back in. You may need to find a roommate to share your apartment or find a way to carpool to work. You can cut back on yourfood budget or keep the heat turned down. These smaller things can help to reduce your expenses. You can also look for ways to save on rent. You need to stop spending money on things that are not necessities. This would include new clothes, eating out or vacations. You should also avoid rent-to-own stores and other things that require monthly payments. Stop using your credit cards as well. They will only make the situation worse. Look at your bills and determine if you can't afford your car payment or if your rent is too high and then do the things you need to in order to lower the payments. Another option is to shop around for a cell phone plan, since every little bit will help. More

2 Find Additional Income

Second, you need to find an additional source of income or a new job. This may mean that you take on an additional part-time job. You may be able to pick up extra hours at work. You may decide to sell some things to help pay off some debt. The second job or additional income may only be necessary until you are able to meet all of your needs on your original source of income. This can help you to be motivated to work harder and to pick up extra hours, so that you can quit sooner. For example, if you need the extra money to cover debt from a medical emergency, you can deal with the problem, and then quit your job. A second job is not a long-term solution to your problem. You should also ask for a raise at your current job. This may be enough so that you can stay there for a few more years. More

3 Find a Long Term Solution

Third, you need to look for a long term solution. This may mean that you need to receive further education or certification for your line of work or it may mean that you need an entire career change. If you have not attended college, you may consider doing this as it really does increase your earning power. As you consider these options, be sure that you choose something that you could enjoy doing that is practical as well. You want to be able to benefit from the extra education in a practical sense as well. If you are in this position because you are in a entry level position, and do not make as much as you thought you would, you need to create plan that will help you get by until you get a raise. If you find that you make decent money, but still struggle, you may need to get more serious about budgeting. You may make enough that once you pay off your debt, you will be fine. More

4 Work With Your Creditors

Fourth, contact your creditors and see if you qualify for a reduced payment or forbearance of some kind. Student loans will offer forbearance if you can prove economic hardship. Credit card companies can temporarily reduce interest rates, or reduce the amount you owe each month, though they may require you stop using the credit card. More

5 Remember Your Priorities

Fifth, it is important that you cover your basic needs before you pay your creditors. This means that you have enough food to eat, a roof over your head, and your utilities are on, then you pay your bills, and then you have fun. This order of priorities is essential if you are going to survive the next few months and come out ahead. Remembering your priorities throughout the month will prevent you from running short on cash towards the end of the month. Your budget and your priorities will help you manage your cash flow more effectively. This can help youdeal with fluctuating bills. You can also use these strategies to cope with being broke. You cannot operate without any savings, so be sure to include that with your plan. More

譯文：

它可以被壓抑而恐怖的意識到你沒有賺到足夠的錢來支付你每月的費用。這可能發(fā)生,特別是如果你有過分擴張自己的債務(wù)。它可以更糟的是,如果你正在支付預(yù)付借記卡與隱藏的費用。有許多跡象表明你需要賺更多的錢。這種情況需要立即采取行動,你應(yīng)該盡你所能盡快扭轉(zhuǎn)局勢。管理一個不規(guī)則的收入可以很難從這種狀況中恢復過來。你應(yīng)該五步方法解決問題,并在這些領(lǐng)域同時工作。這可以幫助您擺脫生存模式的金融車轍和搬出去,所以你可以用你的財務(wù)成功。

首先,你需要找到一些方法來減少你的費用。至少幾乎總是有一個區(qū)域,你可以削減。你可能需要找一個室友分享你的公寓或找到拼車去上班。你可以減少你的食物預(yù)算或保持熱拒絕了。這些小事可以幫助減少你的費用。你也可以想辦法節(jié)省房租。你需要停止花錢的事情不是必需品。這將包括新衣服,外出就餐或假期。你還應(yīng)該避免rent-to-own商店和其他的東西需要每月支付。停止使用你的信用卡。他們只會讓情況變得更糟。看看你的賬單和確定如果你買不起你的車支付或如果你的租金太高,那么你需要做的事情是為了降低支付。另一個選擇是尋找手機的計劃,因為每一點幫助。更多的

其次,你需要找到一個額外的收入來源或一份新工作。這可能意味著你承擔額外的兼職工作。你可以接額外的時間在工作。你可能決定賣掉一些東西為了償還一些債務(wù)。第二個工作或額外的收入可能只需要直到你能夠滿足你所有的需求在你的原來的收入來源。這可以幫助你激勵努力工作和額外的時間,這樣你就可以提前退出。例如,如果你需要額外的錢來支付債務(wù)從醫(yī)療緊急情況,你可以解決這個問題,然后辭掉工作。第二個工作不是一個長期的解決你的問題。你也應(yīng)該在你目前的工作,要求加薪。這可能是足夠的,這樣您就可以在那里呆幾年。更多的

第三,你需要尋找一個長期的解決方案。這可能意味著,你需要接受進一步的教育或認證的工作也可能意味著你需要一個整個職業(yè)生涯的變化。如果你沒有上大學,你可以考慮這樣做,因為它確實增加你的賺錢能力。當你考慮這些選項,確保你選擇你可以享受這樣做是可行的。你希望能夠受益于額外的一個實際意義上的教育。如果你在這個位置,因為你是一個入門級職位,并且不讓你以為你會,您需要創(chuàng)建計劃,將幫助你,直到你得到加薪。如果你發(fā)現(xiàn)你收入還算過得去,但仍然掙扎,你可能需要更多的重視預(yù)算。你可以賺到足夠的,一旦你還清你的債務(wù),你就會好起來的。更多的

第四,聯(lián)系你的債權(quán)人,看看你是否有資格獲得減少支付或忍耐。學生貸款將提供寬容如果你能證明經(jīng)濟困難。信用卡公司可以暫時降低利率,或減少你欠每個月,盡管他們可能會要求您停止使用信用卡。更多的

第五,重要的是,你之前滿足自己基本的需要你支付債權(quán)人。這意味著你有足夠的食物吃,頭頂上的屋頂了,和你的實用程序,然后你支付你的賬單,你玩得開心。這種處理問題的優(yōu)先順序是至關(guān)重要的,如果你要在未來幾個月,出人頭地。記住你的優(yōu)先級在整個月將阻止你短缺現(xiàn)金到本月底。你的預(yù)算和優(yōu)先級將會幫助你更有效地管理你的現(xiàn)金流。這可以幫助你處理波動賬單。您還可以使用這些策略應(yīng)對被打破了。你不能操作沒有任何儲蓄,所以一定要包括與你的計劃。更多的

It can be depressing and frightening to realize that you do not make enough money to cover your monthly expenses. This can happen, especially if you have overextended yourself with debt. It can be even worse if you are being paid with a prepaid debit card with hidden fees. There are many signs that you need to earn more money. This situation requires immediate action, and you should do all that you can to turn the situation around as quickly as possible. Managing an irregular income can make it harder to recover from this situation. You should take a five-step approach to solve the problem, and be working on these areas at the same time. This can help you break free from the financial rut and move out of survival mode, so you can be successful with your finances.

1 Reduce Your Expenses

First, you need to find ways to reduce your expenses. There is almost always at least one more area that you can cut back in. You may need to find a roommate to share your apartment or find a way to carpool to work. You can cut back on yourfood budget or keep the heat turned down. These smaller things can help to reduce your expenses. You can also look for ways to save on rent. You need to stop spending money on things that are not necessities. This would include new clothes, eating out or vacations. You should also avoid rent-to-own stores and other things that require monthly payments. Stop using your credit cards as well. They will only make the situation worse. Look at your bills and determine if you can't afford your car payment or if your rent is too high and then do the things you need to in order to lower the payments. Another option is to shop around for a cell phone plan, since every little bit will help. More

2 Find Additional Income

Second, you need to find an additional source of income or a new job. This may mean that you take on an additional part-time job. You may be able to pick up extra hours at work. You may decide to sell some things to help pay off some debt. The second job or additional income may only be necessary until you are able to meet all of your needs on your original source of income. This can help you to be motivated to work harder and to pick up extra hours, so that you can quit sooner. For example, if you need the extra money to cover debt from a medical emergency, you can deal with the problem, and then quit your job. A second job is not a long-term solution to your problem. You should also ask for a raise at your current job. This may be enough so that you can stay there for a few more years. More

3 Find a Long Term Solution

Third, you need to look for a long term solution. This may mean that you need to receive further education or certification for your line of work or it may mean that you need an entire career change. If you have not attended college, you may consider doing this as it really does increase your earning power. As you consider these options, be sure that you choose something that you could enjoy doing that is practical as well. You want to be able to benefit from the extra education in a practical sense as well. If you are in this position because you are in a entry level position, and do not make as much as you thought you would, you need to create plan that will help you get by until you get a raise. If you find that you make decent money, but still struggle, you may need to get more serious about budgeting. You may make enough that once you pay off your debt, you will be fine. More

4 Work With Your Creditors

Fourth, contact your creditors and see if you qualify for a reduced payment or forbearance of some kind. Student loans will offer forbearance if you can prove economic hardship. Credit card companies can temporarily reduce interest rates, or reduce the amount you owe each month, though they may require you stop using the credit card. More

5 Remember Your Priorities

Fifth, it is important that you cover your basic needs before you pay your creditors. This means that you have enough food to eat, a roof over your head, and your utilities are on, then you pay your bills, and then you have fun. This order of priorities is essential if you are going to survive the next few months and come out ahead. Remembering your priorities throughout the month will prevent you from running short on cash towards the end of the month. Your budget and your priorities will help you manage your cash flow more effectively. This can help youdeal with fluctuating bills. You can also use these strategies to cope with being broke. You cannot operate without any savings, so be sure to include that with your plan. More

譯文：

它可以被壓抑而恐怖的意識到你沒有賺到足夠的錢來支付你每月的費用。這可能發(fā)生,特別是如果你有過分擴張自己的債務(wù)。它可以更糟的是,如果你正在支付預(yù)付借記卡與隱藏的費用。有許多跡象表明你需要賺更多的錢。這種情況需要立即采取行動,你應(yīng)該盡你所能盡快扭轉(zhuǎn)局勢。管理一個不規(guī)則的收入可以很難從這種狀況中恢復過來。你應(yīng)該五步方法解決問題,并在這些領(lǐng)域同時工作。這可以幫助您擺脫生存模式的金融車轍和搬出去,所以你可以用你的財務(wù)成功。

首先,你需要找到一些方法來減少你的費用。至少幾乎總是有一個區(qū)域,你可以削減。你可能需要找一個室友分享你的公寓或找到拼車去上班。你可以減少你的食物預(yù)算或保持熱拒絕了。這些小事可以幫助減少你的費用。你也可以想辦法節(jié)省房租。你需要停止花錢的事情不是必需品。這將包括新衣服,外出就餐或假期。你還應(yīng)該避免rent-to-own商店和其他的東西需要每月支付。停止使用你的信用卡。他們只會讓情況變得更糟。看看你的賬單和確定如果你買不起你的車支付或如果你的租金太高,那么你需要做的事情是為了降低支付。另一個選擇是尋找手機的計劃,因為每一點幫助。更多的

其次,你需要找到一個額外的收入來源或一份新工作。這可能意味著你承擔額外的兼職工作。你可以接額外的時間在工作。你可能決定賣掉一些東西為了償還一些債務(wù)。第二個工作或額外的收入可能只需要直到你能夠滿足你所有的需求在你的原來的收入來源。這可以幫助你激勵努力工作和額外的時間,這樣你就可以提前退出。例如,如果你需要額外的錢來支付債務(wù)從醫(yī)療緊急情況,你可以解決這個問題,然后辭掉工作。第二個工作不是一個長期的解決你的問題。你也應(yīng)該在你目前的工作,要求加薪。這可能是足夠的,這樣您就可以在那里呆幾年。更多的

第三,你需要尋找一個長期的解決方案。這可能意味著,你需要接受進一步的教育或認證的工作也可能意味著你需要一個整個職業(yè)生涯的變化。如果你沒有上大學,你可以考慮這樣做,因為它確實增加你的賺錢能力。當你考慮這些選項,確保你選擇你可以享受這樣做是可行的。你希望能夠受益于額外的一個實際意義上的教育。如果你在這個位置,因為你是一個入門級職位,并且不讓你以為你會,您需要創(chuàng)建計劃,將幫助你,直到你得到加薪。如果你發(fā)現(xiàn)你收入還算過得去,但仍然掙扎,你可能需要更多的重視預(yù)算。你可以賺到足夠的,一旦你還清你的債務(wù),你就會好起來的。更多的

第四,聯(lián)系你的債權(quán)人,看看你是否有資格獲得減少支付或忍耐。學生貸款將提供寬容如果你能證明經(jīng)濟困難。信用卡公司可以暫時降低利率,或減少你欠每個月,盡管他們可能會要求您停止使用信用卡。更多的

第五,重要的是,你之前滿足自己基本的需要你支付債權(quán)人。這意味著你有足夠的食物吃,頭頂上的屋頂了,和你的實用程序,然后你支付你的賬單,你玩得開心。這種處理問題的優(yōu)先順序是至關(guān)重要的,如果你要在未來幾個月,出人頭地。記住你的優(yōu)先級在整個月將阻止你短缺現(xiàn)金到本月底。你的預(yù)算和優(yōu)先級將會幫助你更有效地管理你的現(xiàn)金流。這可以幫助你處理波動賬單。您還可以使用這些策略應(yīng)對被打破了。你不能操作沒有任何儲蓄,所以一定要包括與你的計劃。更多的