Many of us get entangled into temporary financial troubles. Sometimes it happens – even though we had a planned budget, we face unscheduled expenses, e.g. when our refrigerator or a car breaks down, or we have to undergo an expensive treatment. How to recover from these temporary problems?
The most essential expenses
While planning a budget, in the first place you need to take into consideration the bills. Also, it is worth estimating the monthly value of groceries, as these are the biggest expenses in every household. What to do next, if after
regulating all the payments we still are not able to cover the costs of groceries? Then we have to look closely into our daily menu. The cheapest option is preparing meals at home, and taking them to school and work. In bars and restaurants we pay not only for sheer products, but also for service and maintenance. You need to look through your freezer and kitchen cupboards – we may find groceries which will become a base for some simple meals. During a financial crisis avoiding sweets is a good option, they do not satisfy our hunger, but also are expensive and are a cause of overweight. And – be cautious – compare prices in a few different shops.
Where to seek savings?
We can save some money if we start using public transport or a bicycle instead of a car while going to work. During weekends spend fun time, but not money. Going out to a pub or a club cost a lot, while riding a bicycle, jogging or playing board games are for free, and may be a great free time spent together. Unfortunately, purchases other than groceries have to be postponed for a better time. Without a new bag or a shirt you can survive. Newspapers – may be given up as well. 
Surprisingly, a crisis has some advantages. It teaches creativity, foresight and saving. We get to know a real value of money. During the crisis you can learn new skills, like switching off lights, or turning off water during brushing your teeth.
How to draw prompt cash?
Of course, you may look for an additional job. But it is not always possible. A good way to get a little bit of money is to do household chores and resell unused appliances or good quality clothes.
To do so, you can seek help of online flea markets or websites with ads. Household chores have one additional advantage – we can find spare cosmetics or forgotten clothes, which will aid during the crisis. Try saying “no” to waste! When the above-mentioned tips are not working, and you need cash instantly, you can always use a small loan. It has to have clear and favourable conditions. Remember that there is always an exit. Lack of money may affect our mood, but it also can mobilize us to save more, to verify our needs – or maybe to find a better job?