Whatever we resist, persists. Don’t deny what’s happened in the past and don’t ignore it. Those feelings are valid, but we don’t need to dwell on them. Acknowledge and accept the life lessons it has taught you. But, give yourself a time limit to reflect and reimagine – and then move on. We can’t change what’s happened to us. We may have had an unfair past, but we don’t have to have an unfair future. We may have had a rough start, but it’s not how we start, it’s how we finish. – Richard Leider
Here are other things you should do:
Review your savings. This may seem simple, but look at your budget to make sure you have the cash you need to pay necessities. Figure out how long you can cover your bills with the cash you have on hand. This may mean cutting nonessential expenses as soon as you realize you are being laid off.
Don’t be afraid to talk to your creditors. Make preemptive contact to strike a deal if you think you cannot make a payment. Your card company, mortgage or auto loan lender may not give you a break, but you’ll never know if you don’t call. Don’t wait until you get behind before you reach out.
Slow down or pause any aggressive debt payoff. Your highest priority should be your rent or mortgage, your auto loan and child support. Lower priorities might include credit card debt. Just make the minimum payment for now, and you may not even be able to make that. Concern about your credit rating should not move up a debt’s priority. You can fix that damage later.
Avoid tapping into your retirement account. If you’ve exhausted your emergency fund, you may feel you have no option but to tap your retirement account. However, make it a last resort.
It may sound counterintuitive, but if you get stressed out lying in bed at 2 a.m., get out of bed and do something you enjoy other than phone scrolling (like reading or a puzzle). When you feel truly tired, get back in bed. Your brain will then start to associate your bed with sleep, not stress.
“Decide what kind of life you actually want. And then say no to everything that isn’t that.” — Melanie Mackle
Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…
Real Life of an MSW 