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Monday, February 16, 2015

How to Be Broke.... Gracefully {How to Get Through a Financial Crisis}

Quirky Bohemian Mama: How to be broke.... gracefully



Being broke is never fun. I can't think of anyone whose money has run out and they jumped for joy exclaiming, "YAY! The electricity is going to be turned off tomorrow! WOOHOO!"
Many of us have to live paycheck to paycheck  and we can live quite comfortably until the next check rolls around, but what if an emergency pops up? Now you've got to hand over all of your grocery money plus some to get your windshield replaced (shouldn't have pissed off that ninja). Now there's hardly any money to get you through until the next pay day. Poop.
Stress time!! GAH! Let's freak out and run around like waving our hands in the air, screaming a slinging snot everywhere!
Nope.
Calm it down and let's learn to handle the situation with some grace, shall we?


▲ Stay calm. That's what anyone will tell you as the very first step to take when dealing with any emergency. When we panic we tend to make very poor choices and often times we'll become just plain useless from hysterics...so try your darndest to stay calm.


▲ Prioritize. During stressful situations everything begins to get jumbled up and thoughts begin to fly about in your head like one of those weird gnat clouds out in the yard. Take a breather and make a list of everything you need to take care of in order from "most important" to "least important." Example list: #1 Rent, #2  groceries, #3 phone bill, #5 Netflix bill.


▲ Don't be afraid to admit it. Example: if a friend asks if you would like to go out to da club and... make it rain or whatever you do at da club.... simply decline and explain that you're not doing so well financially. You never know - said friend might just buy a drink or two for you! Also, now that they know your issue, they might be able to help you someway. Which leads me to my next tip:


▲ Swallow your pride and accepts handouts. If someone is offering to help you with no strings attached, you need to hop on that deal. No one wants to be a moocher, but if someone wants to help you and you NEED the help.... TAKE it.


▲ Don't borrow money if you know you can't pay it back. Not paying back money is a serious offense that can ruin your reputation and destroy relationships with friends and family. If you need cash ASAP, check out my other post, How to make money TODAY {without loaning or pawning}


▲ Pray. I don't want to make you uncomfortable by getting too preachy so I'll just leave it at that. But if you're not sure where to get started, try this prayer here.


▲ Stay positive. Having a poor attitude during "brokedom" is not going to help anything. It's just going to make you feel worse and bring down everyone involved in this with you. You need to stay optimistic and...


▲ Realize it's not forever. Because of the huge changes we have to make in day-to-day life because of  a lack of money it will seem like it goes on forever and, "Sigh, this is my life from now on", but I guarantee if you take my advice, you'll be able to focus on what really matters so you can work towards getting yourself out of this funk quickly and gracefully.


18 comments:

  1. Money problems can be so stressful! These are really good tips for surviving a financial crisis.

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  2. These are such great tips! I struggled a lot when I was a single mom, and often found myself having to prioritize- more times than I'd like to remember. Housing, then food, then bills was always my go-to list in times of true financial crisis and it never failed me :) So glad to have found you on Meet Up Monday, looking forward to reading your future posts!

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  3. So true...we've all been there...well, in my circle anyway. The "stay positive" one is very important.

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  4. Great tips...I especially like the idea to "pray"... Prayer definitely helped get me through financially stressful times.

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  5. Keep Calm and carry on. ;)

    Prioritize is excellent idea. To often we go for the pressing rather than the priority.

    I live in a perpetual state of brokeness. ;) I think its easy to forget all the common sense ideas when its a constant dealing. So very helpful and great reminder. Thank you.

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  6. Good tips, living paycheck to paycheck is a bit scary, but I think it's something most people do at one point in their lives. It makes you smarter for when you (hopefully) can move past it.

    damn ninjas... always crackin my windshield...

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  7. It sucks when money is tight. Never a good feeling, for sure.

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  8. More are living this way then they want to admit. Prayer, is a big priority. God knows what we need! End of story. It is those wants that get us into trouble. Good tips for EVERYONE. We all have been there and if not, do not think you can't be there!

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  9. Completely agree with these. I usually freak out big time even though I know it's not forever! Great post!

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  10. Great thoughts on this subject! I totally agree with prioritizing, praying, and realizing it's not forever! When dealing with money issues and tight budgets it's hard sometimes to see the light at the end of the tunnel. Thanks for sharing!

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  11. Staying calm is a great tip! It's so easy to panic when you realize you are broke and payday is still days away.

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  12. Great tips! I've been broke and wish someone would have told me all of this back then.

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  13. I completely resonate with this. We hit rock bottom when we were pregnant with our second and it was terrifying. We prioritized, finally asked for help, and spent the next couple years getting back on track. Because of our experience we would never let it happen again. Great post!

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  14. You are so right. I does not last forever. I remember walking VERY FAR to the grocery store with my kids and only buying as many groceries as I could afford because gas was so expensive. It was literally eat or drive. Now when I look back on it. I was in GREAT shape from all the walking and the kids loved eating cookies in the stroller on the way home. Rich kids probably have memories of being left with mean nannies while their moms worked out with scary looking personal trainers and they probably weren't even allowed to eat Chips Ahoy. We had it better.

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  15. Perpetual financial brokenness?... pretty much a constant thing throughout my life. Your tips are so great! No money and stress go together. But personal happiness is built on gratitude, not money. Love your article. Prayer, prioritizing and laughing are my go to life mangers. They work! Thanks for the helpful reminders:) Diane from http://www.homemadefoodjunkie.com

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  16. These are excellent tips. It is hard to find yourself in a position where you just need to swallow your pride and ask for help. I've been there, but we have made it through. Thanks for sharing at the #HomeMattersParty - we hope to see you again next week. :)

    ~Lorelai
    Life With Lorelai

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