There is a catastrophic lack of money - what to do?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The situation when there is not enough money is familiar to almost every modern layman. 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 people can understand why there is not enough money even for two weeks after receiving a salary. According to statistics, more than half of Russian citizens do not have enough money to live. The money runs out much earlier than the new salary arrives. This problem affects even the we althy segments of the population.

The reason is that the deficit of the 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 funds from the state treasury. Another 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 her rent and buy herself perfume for 5,000 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, he alth, and other family members.

It is necessary to understand financial issues, 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.

Understanding everyonemiscellaneous

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 to view this position, namely:

1. 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 begins to literally bite his elbows 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? The whole point is that the lack of funds for this type of people is a catastrophic problem that cannot be solved!
2. The second type of people is more loyal to the phrase "Not enough money!". As a rule, they understand the lack of funds as the inability to pay utility bills. 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.
3. 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, the 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, 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 breadwinner and breadwinner becomes depressed. As a rule, during the financial crisis in the family there are reasons for quarrels, showdown, and so on. The situation can gradually become so tense 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 make the best out of every 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.

A 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 to do when you don't have enough moneyfor food? In case of crisis situations, a special action plan has been developed for you:

1. 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, not finding their application and implementation for many weeks. For many people, collecting such a trifle can turn into unexpected we alth. The collected funds can be used for travel, for simple food, such as rice or other cereals, or for any other urgent expenses.
2. 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 activities that require additional expenses (for example, shopping 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.
3. Give preference to cheap but satisfying foods. As practice shows, these are vegetables, fruits, cereals, better meat, and not harmful sausages, and so on. So you will not only provide yourself with food, but also take care of your he alth.

The next trio

The above list of items,required to perform during a period of personal financial crisis does not 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 meals for yourself that can fill an empty stomach. For many housewives, jelly or frozen bones serve as such, from which you can always make soup.

About buying groceries

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 is developed. 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.

Ohbuying 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 this or that thing, you can look for it in the market, or even better - in a second-hand shop. An excellent way out is seasonal sales, where once expensive items are sold at a discount of 50 or 70 percent. Purchasing 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 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 me, in the modern world, everything is bought and sold, you just need to put in enough effort.

Ideal objects of sale are: books,clothing, household appliances, all kinds of collections, handicrafts and so on. The Internet in this case is the best assistant. Post a couple of photos and ads for sale, and the long-awaited money will not keep you waiting.

Part-time job

Modern cruel world forces you to devote yourself 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.

Extreme 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 of the banking system, namely, issue a credit card.

In this situation, it is important to know the sense of proportion and not to 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. Applying for a credit card is an extreme way to solve the problem, since banks have profited from the insolvency of citizens for centuries. If you know that somewherethere is a shopaholic in the back of your mind, check out other ways to find money to live on.