In these tough economic times everyone is trying to stay afloat. Almost everyone is affected by the bad economy in one way or another. Ideas on how to survive this economic crunch are as varied as the individuals involved. Everyone seems to have their own idea on what you should do or shouldn’t do.
You’ve got financial advisors like Suzy Orman on every TV network giving advice. Turn the channel and some of these advisors are trying to get you to buy a book or financial planner they’re selling, which supposedly will solve all your financial dilemmas. Attorneys are trying to get you to come to their offices for advice. Our government is offering bailouts to companies that are sinking, as well as promising help for Americans who are losing jobs and losing homes. Where does one go, and what does one do to find the right answer for their own personal situation?
Basically, the first thing we must do, is just sit down and try and figure out what area you need help in, and what will work best for you. What may work for you, may not work for your next door neighbor. All our situations are different. Some may need help because of their employment status, others because of their age, and some just because of their family size. We each need to look at our own picture and go from there.
If you do need help, don’t be afraid to ask for it. Weather it’s utility bills, the home mortgage, health care, or food to feed your family, ask for help before it gets too out of control. In these tough times, the sooner you check if you can get assistance, the better off you’ll be in the end. You may not get everything you ask for, but it’s definitely worth a try, if you’re in need. There are lots of programs out there for the needy. Food shelves, and fuel assistance programs are just a couple of the things out there for temporary help.
If your situation isn’t desperate, but you do need some help to stretch that almighty dollar, maybe a little “belt tightening” is all that’s necessary.
Here are some tips that may help you get the most bang out of your buck. They’re not anything earth shaking, just common everyday practices, that I have found useful in helping to stretch the dollar.
1. Watch for sales on items we all need and use.
2. Don’t be afraid to use coupons. Some stores even double the coupon value on certain days.
3. Check the price per unit whenever possible. Bigger isn’t always cheaper, contrary to what you may think.
4. Day old bakery goods and quick sale meats are available in many grocery stores, just before closing, or shortly after opening in the morning.If you can possible shop then, you find some real deals. There’s nothing wrong with these items, they just need to moved to make room for the new inventory that’s coming in.
5. Don’t be afraid to ask for discounts, such as senior citizen or veteran discounts. Remember, you earned these, so why not use them.
In these tough economic times, just try not to spend beyond your means. Go with the flow, and hopefully the tough times will ease in the near future. Try not to let that economic ship sink on you.