If you don't have enough money to live. Why do we always lack money and what to do about it
matters of reference family budget sooner or later every family is puzzled.
Unfortunately, they start doing this only when, a week before the date of receipt wages the family understands that there is actually no money. And there is nothing to buy bread with milk, not to mention more substantial purchases. And God forbid that someone from the family gets sick at this time. There is also no money for medicines.
The situation is fundamentally different if there is actually not enough money even for basic needs, and you have to invent various ways getting money to somehow close the hole in your family budget.
What do most people do in this case? That's right, they go, ask for money in debt, or, even worse, apply to a microfinance organization for a loan, aggravating this already deplorable situation.
Today's article will be devoted to what to do if there is not enough money for life, about what ways there are to get out of this situation.
We study our family budget under a magnifying glass
The first thing you need to start getting out of the current situation of complete lack of money is a full and honest analysis of your family budget.
Does your family have at least some source of money? For example, one of the parents works and receives a small salary, but you receive a disability allowance, or you receive an allowance for children.
If the answer to this question is yes, we analyze where the incoming money goes.
As a rule, the answer is standard - to pay for housing, for food, for repaying a loan ... Actually, in most cases, everything is limited to payments for housing and food.
If there are other costs, we look for ways to minimize them.
In the end, if there is no work, register with the employment service - they will transfer you, albeit small, but money. Yes, they can help you find a job. And then, you will already have the opportunity to find a more interesting and highly paid job.
Hello dear blog readers! Today I want to talk to you about what to do when there is not enough money. The financial issue is always experienced very acutely. Where to find additional income, what is better to spend on, where to get more, why is it not enough. All these questions torment millions of people. Let's try to figure out what to do with it.
Learning to live within our means
The first thing you need to do is calculate your monthly living expenses. Here you should include those expenses that are mandatory. Rent, telephone and Internet payments, travel funds, groceries, etc. Do not include entertainment, recreation, meetings with friends, and other non-essential expenses.
Living within your means does not mean living in poverty and constantly saving on yourself. But when you have to pay a loan, pay for the education of children, buy gifts for relatives, then you definitely need to get a budget book. It doesn't matter how it looks. Paper version, program or just a notepad. The main thing is that you can see your financial flows with your own eyes. It is then that you will be able to understand what is worth giving up, where additional funds may come from, what you can spend more on.
I believe that it is very important to keep a budget in the family. To avoid financial holes, you did not have to get into debt, live from paycheck to paycheck, counting every penny. Remember that there are purchases that are useless and carry nothing but a money hole. One of these items is a TV for one hundred thousand rubles. You can invest these hundred thousand in education, development, invest in additional income.
Additional income
In any situation, you can find an occupation that will bring you money. If you are a woman and are on maternity leave, then you will have a very interesting article "". Remember, an income-generating job doesn't have to be an office job. You can engage in copywriting, learn to be a manicure and hair extension master, online counseling and much more.
In addition, money problems may arise if for some reason you were unable to get a profession. Then my article "" will be useful to you. One of my friends dropped out of college in her third year and is now actively involved in copywriting. With this, she provides for herself and her dog. Moreover, she actively helps her parents and often goes on vacation to the south of France.
Do not be afraid to start something new in terms of additional income. If you are sorely lacking money, then take on any business and look for your own. You may be able to find your calling, and not just additional income. A person is able to cope with any situation. The main thing is to act and not stop there.
Overcoming difficulties
Time flies at breakneck speed. Try not to waste it. Man always puts things off until later. This may not happen later. And you might already be good at something. Think about it at your leisure. After all, everything is in your hands and in your power. Only you decide how and what to do with your life.
Money is a complex issue. Comfort level human life is directly related to his earnings. First class on the plane, quality clothing, natural products. All this can be afforded by those who earn enough. Set goals for yourself and strive for them. You can always earn more than now. You just have to make an effort.
If you are faced with the fact that your partner does not help in replenishing the family budget, then the article "" will be useful to you. In the family, everything should be coordinated and discussed between the spouses. Trust your partner and help in a difficult situation.
Don't make wealth your primary goal. Engage in self-development and professional development. This, in turn, will attract financial flows to you.
Money should not become an end in itself. Otherwise, you can spend your whole life earning enough, which is never enough.
Hope you can handle yours financial difficulties. Calculate your monthly expenses and correctly distribute your salary. Keep striving for something bigger and greater. Don't stop there, keep moving forward.
Any financial issue will be resolved, there would be a desire. I am sure that everything will work out for you and you will start earning as much as you need for a comfortable life.
Good luck in all your endeavors!
1. Hello, please help me pay off the loan, I am disabled and an orphan. I don’t have enough money, I don’t work, I sit at home, I have a health problem. I have a loan of about a hundred thousand rubles. The pension is very small, I don’t know where to turn for help.
When I took it, I didn’t think about anything. I really ask for your help, please help me. And then I have another operation in a couple of months. I can’t even imagine what could happen next if I don’t pay off the loan. Card 69019110123477013.
2. Good afternoon, I ask you for help. There was an operation and we took loans for it and borrowed from friends. Now we need to return the money, we regularly cope with loans, but acquaintances ask to return the debt and have already put on interest, they constantly call and say that threats will soon come. We are no longer given credit, we have already gone through all the options and no one else can help us, so I ask you for help. Need very much large sum to pay off debts. Please who can help.
3. I want to pay off my debts. A year ago, my mother needed an urgent operation, she had to go into debt, after the operation she began to recover. Now it's better, but since the medicines were needed, he got into debt. Now I'm trying to get out, but I can't. I work for 15 thousand rubles. Please help whoever can, card 6761 9600 0124756041.
Need money to pay off a loan
1. I live in a small village, I have three children, I work at a bakery. For many years I worked and earned, although not luxuriously, but we lived normally on food and we had enough of the essentials. But then I started to get sick, the work is very hard, physical, at first for some reason I began to catch cold very often, although I always take care of my health.
Often there was a sore throat and, as a result, heart disease, I worked with myacarditis, but what to do, the children grow up, they need more and more. I was on medication and worked, but then something terrible happened. I tore my back, I have a displacement of a vertebra with a displacement, and this diagnosis is like a sentence.
Physically, I can’t do anything at all, okay, they didn’t fire me from work, they gave me a position, but the salary is very small. I tried to find a part-time job, but to no avail. There is no work or all vacancies are filled, and loans must be paid and debts must be repaid.
At first I coped, but all the savings ran out and that's it, I can not pay, not support the children. Debts are already pressing, there is no strength to cope, for God's sake help me, I don't know what to do. I would be happy with any amount, and I already have debts of 500,000 rubles, it’s very scary what will happen next.
2. I am a working person, I am 27 years old, a disabled person of the 3rd group, I work for a private company. Everything was good, but lately things have gone awry. What happened was that I took a loan from the bank, I foresaw everything so that I could safely pay it off. Recently, at work, wages have been cut because the company is not able to pay salaries to people. And after that I am at a loss, relatives and friends go to me in denial of help. I’m already looking on the Internet, there’s just no money to pay further, I have already overdue the full amount of 45,000 UAH.
3. I took money from Quick Loan for a funeral, I couldn’t pay it back on time, interest began to drip, I had already given away almost everything, 7,400 rubles remained. Help, whoever can, if you don’t believe me, I will send the details of the loan and the contract number. My card is sat 676280529007142587. Thank you.
Not enough money for food and living
1. Hello! Please help, there is no one else to turn to. We live together: me, my husband and our little daughter. The husband works, but the money is barely enough for food. We live in a rented apartment because we don't have our own housing. Please help either with money for your housing, or with money, please help our child!
It is very hard to live when there is barely enough for food, and there is nothing to talk about clothes at all, there is absolutely no money for this. We wanted to take a loan, but we are not given it anywhere. Yes, even if they did, we would still have nothing to give it away. So I decided to ask for help. Please help, I beg you.
2. Please help our family to pay off debts, my mother has three of us, my mother brings us up herself, we live in an old adobe house, my mother’s salary is very low, only 9,000 rubles, so we constantly live in debt. A large amount of loans and debts has already accumulated, if you are not indifferent, please respond. Card number 4276 3000 1248 6745, thank you very much in advance. My mother knows nothing about my letter. If he finds out, I don't know how he'll react to it. She does not ask for help from our dad. And if there are those who are not indifferent, help your mother, it's a pity. And I'm only 13 years old, I can't go to work.
Nothing to pay for loans, collectors call
1. Hello! I really need your help, there are loans, interest rates are growing, there is nothing to pay. Collectors call from morning to night, it happened in my life - I got into a debt hole. I always help people, and now I ask for help myself. Friends and loved ones just threw me. We need to collect 400,000 rubles. Help as much as you can. Card number 5336690006765046, do not pass by someone else's grief, God bless you.
2. Help! My daughter and I are in dire need of money. We live together. At the parents' house. The parents are long gone. The sister is in need. Grandma too. I work as a disinfector, but the salary of 7,500 rubles is not enough for us. You have to pay for gas, electricity and water. I'm all in loans, but there is nothing to pay. I took another loan by mistake and now I can't pay it back. I have 6 loans of which 5 loans. I don't know what to do. Another debt for water, they scare to turn it off and a debt for garbage. Please don't be indifferent! And soon her daughter will go to school and she will have to buy stationery and shoes with clothes. Here is my card number: 4276 4200 2245 5850. God bless you!
The situation when there is not enough money is familiar to almost every modern man in the street. In the life of any person there were moments when the means of subsistence ended ahead of schedule. Therefore, we had to tighten our belts and think about what to do when there is a catastrophic lack of money.
About common causes
Not many can understand why there is not enough money even for two weeks after receiving wages. According to statistics, more than half of Russian citizens do not have enough money to live. The money ends much earlier than the new salary arrives. This problem affects even the wealthy segments of the population.
The reason is that the lack of family or personal budget has long become the norm for each of us. Expenses exceed revenues even at the state level - in terms of the distribution of state treasury funds. Other objective reason is that people do not know how to reduce their requests. For example, a girl who spends almost all day at work manages to pay rent and buy perfume for herself for 5 thousand rubles, receiving a salary of 14 thousand. Of course, here the answer to the question of why there is always a lack of money lies on the surface. And this situation is one of the most obvious examples. The industry of expensive phones, watches, jewelry drives people into debt bondage and makes them think about what to do if there is not enough money by the middle of the month.
About specific reasons
The first problem is that the citizens of our state do not know how to plan their budget. Moreover, when it comes to pre-purchases, many clutch their heads, brushing off the interlocutor with the words: “Yes, why do we need it! And somehow everything will work out!” Not only the wallet suffers from such an attitude, but subsequently the stomach, health, and other family members.
It is necessary to understand financial matters it is important to look for new ways to solve problems. Then gradually you will become less and less likely to think about why there is not enough money. Paying a loan, pampering yourself with entertainment and dressing the whole family is an unbearable burden for the average citizen. What to do? Plan a budget. And here we smoothly approach the second reason. This is the inability to plan your expenses. This means that a person at any moment can acquire an expensive thing that will not play a role in his life in the future. Although no ... Will play! But already in the form of funds spent, which were intended for living in the last week before the salary.
Everyone's understanding is different!
Before answering the question “Not enough money to live! What to do?”, it is important to understand the essence of the problem under consideration. There are several ways of seeing this position, namely:
- The phrase "Not enough money to live!" sounds like a sentence, like an indelible imprint of fate that cannot be corrected in any way. In such a situation, a person of this type falls into a panic and literally starts from a seemingly hopeless situation. There were 200 rubles left in the wallet and a fly hung itself! No one wants to be in such conditions, because what does a few hundred before the salary mean for a city dweller? All the salt lies in the fact that the lack Money for this type of people is a catastrophic problem that cannot be solved!
- The second type of people is more loyal to the phrase "Not enough money!". As a rule, under the lack of funds they understand the inability to pay public Utilities. Here the situation does not seem as catastrophic as in the first case. As a rule, this type of people is loyal to financial problems and tries to solve them as much as possible.
- People of the third type can perfectly exist in times of crisis. After all, the essence of the problem, when there is not enough money to live on, comes down only to the fact that they cannot afford to have fun on the weekends. Accordingly, there is no particular cause for concern.
Based on the above classification, we can conclude that the solution of the issue depends on the vision of the situation by each specific person. For some, lack of funds is a disaster, for others, the lack of opportunity to spend time with friends over a cup of latte.
The main rule of the financial crisis
If you do not have enough money to live on, it is important to adhere to the main rule: do not lose hope and optimism. Many people know that the lack of funds is accompanied by despondency and lack of proper comfort, to which each person or family gets used. Often at such moments, the earner and breadwinner falls into depression. As a rule, during the financial period there are reasons for quarrels, showdown, and so on. The situation can gradually escalate so much that it is not far before parting.
Remember that staying optimistic will allow you to maintain your intrapersonal relationships with loved ones, friends, family, bosses, parents, and so on.
The next, no less important rule is to extract positive experience from each situation. Whatever negativity appears in your life, it is important to see a lesson useful for yourself in everything and try not to repeat the mistakes of the past in the future. Analysis of adverse situations, including those when there is not enough money, allows you to find new ways to solve the problem, and in the future to improve your financial and social position.
Week before payday. How to organize your life? The first three in the studio!
Agree, it is quite possible to live seven days before payday without entertainment, new clothes and going to the movies. What do you do when you don't have enough money for food? In the event of a crisis, a special action plan has been developed for you:
- Collect all the money you have in your house. More than once after payday, coming from the store, you dumped change out of your pockets, thinking about how it interferes, rattling in your pockets. Now her time has come. Moreover, very often we do not notice how significant coins rub the walls of the wallet, for many weeks without finding their application and implementation. For many people, collecting such a trifle can turn into unexpected wealth. You can use the collected funds for travel, for simple food, such as rice or other cereals, or for any other urgent expenses.
- As soon as you notice that you do not have enough money, you need to make a list of the products that you need for your continued existence. It is important to exclude from the list those expenses that you can make even after receiving a salary. All the things that require additional costs(for example, a shopping trip with friends, a business trip for work at your expense), must either be canceled or rescheduled to a later period. If you explain the situation, then there will be no special problems with determining the date in the future.
- Give preference to cheap, but satisfying products. As practice shows, these are vegetables, fruits, cereals, better meat, and not harmful sausages, and so on. So you not only provide yourself with food, but also take care of your health.
Next trio
The above list of items required for execution during the period of personal financial crisis, it doesn't end there. Pay attention to the rules of secondary importance, namely:
- When there is not enough money for a child, travel, entertainment, it is important to reconsider your daily routine. You need to start cooking every day at home on your own. During a crisis, you will have to forget about snacks or meals at fast food places for a while.
If such situations happen to you with enviable frequency, then make a list of budget dishes for yourself that can fill an empty stomach. For many housewives, jelly or frozen bones act as such, from which you can always make soup.
About buying products
When there is not enough money, it is recommended to purchase exclusively seasonal products. Of course, few people can do without milk, eggs and bread, but in winter you can give preference to tangerines and apples as fruits, rather than pomegranates or grapes. You are very lucky if you live in a region where Agriculture. During the same crisis, you can lean on those products that should have a lower cost.
Also, pay attention to store shelves. Very often, goods with yellow price tags are waiting for their buyer. Here it is also important to filter the list of products that have a lower cost. So, it is better to buy 2 kilograms of potatoes at a lower price than 3 chocolates for the price of one.
About buying things
If there is a difficult situation, it is necessary to temporarily limit yourself in buying things. Do you prefer branded clothing and accessories? We'll have to be patient and forget about such luxury for a while.
When the situation calls for buying a particular thing, you can look for it in the market, or even better - in a second-hand store. An excellent way out is seasonal sales, where once expensive items are sold at a 50 or 70 percent discount. Purchasing the necessary clothes during such periods helps to save tens of thousands of rubles.
Public transport
If every day you go to work through the whole city, then you can save a significant part of the budget using public transport. Sometimes the cost of gasoline exceeds the planned costs, especially for those who are constantly on the road for business without the ability to pay for fuel from the company. Well, in this case, you will have to endure some discomfort in order to save money.
You can also try out the travel option with a colleague. If this is your close friend, then you can get by with just a request. If this is a colleague or just an acquaintance, then you will have to spend a little money and enter the “share” when you need to pay for gasoline.
Sales
Many citizens during the crisis use the old schemes of buying and selling unnecessary things. Believe in modern world everything is bought and sold, you just need to make enough effort.
The ideal objects of sale are: books, clothes, household appliances, all kinds of collections, crafts self made etc. The Internet in this case is the best assistant. Post a couple of photos and ads for the sale, and the long-awaited money will not keep you waiting.
part time job
The modern cruel world forces us to devote ourselves not to one or two jobs, but to three, four or more. Lack of funds makes you look for new ways to earn money.
One of the most popular is freelancing. Today, a huge number of opportunities are concentrated on the Internet, for example, you can teach foreign languages online, write scientific or user articles, design websites, and so on. The more specialized skills you have, the easier it is to make money on the World Wide Web.
Last exit
When there is absolutely no money left, a person can reach a state that will push him to commit a crime. In order to protect yourself from such problems, you can use the services banking system i.e. get a credit card.
In this situation, it is important to know a sense of proportion and not succumb to the heady feeling of permissiveness and inexhaustibility of resources. When making a purchase using this plastic document, remember that you will have to give back with interest. Registration credit card is an extreme way to solve the problem, since banks from time immemorial have profited from the insolvency of citizens. If you know that a shopaholic lives somewhere deep in your soul, look at other options for finding money for a living.
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