Has living paycheck to paycheck (or without a paycheck at all) got you down? Is dodging calls from collection agencies your main form of exercise? We've all been there at one point or another, but when you're pretty much scraping the bottom of the barrel, it's hard to cope. Sometimes these "character-building" experiences do make us stronger. More often, it's easy to become despondent and therefore not in a great frame of mind to seize upon opportunities that can help improve our lot in life.
Lucky for you, we're here to help you through this difficult time. Share your own survival strategies as well, so that others can benefit from your experience.
Look on the bright side:
- One word: CoinStar! At last, something useful to do with all those pennies.
- At least you still have your health (um, hopefully...)
- This too shall pass.
- There's always free meals, tasting samples at Costco and Whole Foods!
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Tips from the trenches:
- Time to use up all that canned food you've accumulated.
- Go for a long walk or a run.
- Call the phone company, cable company and credit card issuers and ask for a reduced rate - this often does work!
- Investigate deferment options and payment programs with creditors.
- Keep tabs on your FICO score and credit reports. They determine your APRs and ability to get loans.
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Survival kit contents:(replenish as often as needed)
- Bitches on a Budget: Sage Advice for Surviving Tough Time...
- Broke Is Beautiful: Living and Loving the Cash-Strapped Life
- Be Thrifty: How to Live Better with Less
- The Cheapskate Next Door: The Surprising Secrets of ...
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- Suze Orman - For the Young, Fabulous and Broke (DVD)
- Repo Man (Collector's Edition)
- Take the Money and Run (Widescreen)
- Fun with Dick and Jane