These days when the cost of living is becoming higher than the
wage we earn, especially in jobs where staff are paid minimum wage, and the
minimum living wage, it can be a really black hole we find ourselves in, how do
we cope? How do we manage? And if you have a family to support it can be really
bleak. Firstly if you find yourself in any serious financial situation that
threatens your home security - Seek
help - burying your head will
not resolve the problem only make it worse in the long run.
1. Budget - easier said than done, but
having an idea of what is actually coming in helps to spread the costs of what
goes out, going into the supermarket with a clear budget will help you make
sensible choices rather than keep adding to the trolley, having a meal plan for
the week also helps you identify just what you need to buy and sometimes
creative planning can save money.
2. Look at outgoings - hard to make cuts i know but can you
live without the top TV package, phone package if it is up for renewal, subscriptions,
sometimes just looking through your direct debits can help sort essential from
luxury spends. Making sacrifice now may mean a less bleak outlook in a few
months time.
3. Work from home opportunities - nowadays there are many ways you
can work from home, and if it helps you bring in some extra income that is a
bonus, working from home can be done around family needs and potentially save
on childcare costs, it is easy to search and research what is available on many
different sites.
4. Sell - how many of us have got stuff
lying around that we no longer use, one person’s junk is another person’s
treasure as they say! List it on local sale sites on Facebook pages or on Ebay,
you may be surprised how much you can make.
5. Be creative with presents - if your children are anything like
mine then they get so much at Christmas and Birthdays, so why not ask some
people to help out by buying practical gifts, clothing, swimming lesson costs
paid for, money towards that school trip it all helps in budgeting.
6. Get creative with activities - not all activities need to cost us,
most kids love an adventure, we just need to learn to use our imagination and
come up with some cost free fun, depending on where you live and the time of
year, woodland walks searching for the Grufallo, picnics up the mountains,
trips to the skate park, and as a bonus it always helps to tire out the kids.
7. Short term loans - sometimes you just cannot get away
from that unexpected bill that needs to be paid or to bridge the gap until payday,
so taking out a short term loan from a company like Cash Lady for pay day
loans bad credit it can help make the money last the month, taking out
short term loans is not advisable if you have no long term means of improving
your financial situation, but companies like Cash Lady are a well-established and reputable short-term loan lender who care about
their customers and want to ensure they have an easy journey and know all
information about committing to a short-term loan.
