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Challenging times can wear us down. There are so many decisions to make and the answers are often not clear. Pause and take time to write out some simple possibilities that allow you to economize – using what you have for the most good in terms of meeting your needs and wants.

If you have lost your job due to the COVID-19 pandemic, an important concern is maintaining your insurance coverage. Unemployment is stressful and can sometimes lead to health problems in the family.

When you rank your bills in order of priority, chances are shelter and utilities are at the top of the list.

If you cannot make your payments to creditors, you will need to contact them and talk to them about your new situation. Before you talk to creditors you will need to determine how much money you owe and how much money you will have to pay your bills.

If you or your family are faced with a reduction or loss of income, you’ll need to develop a plan to help you meet your expenses. It’s important to look realistically at the situation and actively seek solutions to your problems, despite the discomfort it will initially bring.