When the going gets tough.....

iVillage Member
Registered: 11-14-2008
When the going gets tough.....
11
Wed, 05-20-2009 - 4:54pm

When the going gets tough what do you do?

I know lots of people are getting their hours cut or being laid off. Some people have lots of debt they would like relief from.

I sell avon to cut household expenses, and work more at my store like a second job. I don't know if I could actually do anymore to pay off debt quicker. I am always open to ideas.

What do you do to cut costs/make extra money in times where you feel there is just too much going out and not enough coming in or some combo of the two? Any coping skills you would like to pass around?



iVillage Member
Registered: 08-24-2007
Wed, 05-20-2009 - 6:08pm

To be perfectly honest, when the going gets really tough, first I have a major melt-down and then I sleep for about 12 hours.

Kate


empty purse

iVillage Member
Registered: 04-19-2006
Wed, 05-20-2009 - 7:14pm

I babysit sometimes...




iVillage Member
Registered: 03-16-1999
Wed, 05-20-2009 - 7:25pm
When the going gets tough we stop eating out.
iVillage Member
Registered: 12-29-2008
Wed, 05-20-2009 - 7:50pm

Excellent topic!


When the going gets tough, I tend to get really down and hard on myself.

iVillage Member
Registered: 11-17-2007
Wed, 05-20-2009 - 8:42pm

We are on a

iVillage Member
Registered: 04-10-2003
Thu, 05-21-2009 - 8:25am

Good post,


My response is usually the ostrich, then the panic and cry and then the dealing with it. At the moment my CC's are going up (not happy about it, but I have had to put a lot of medical bills on them in the last week). I will get reimbursed eventually, but its so depressing to see them there going the wrong way.


I need to refocus my energies and replan my goals. I am looking at $3500 of CC debt and I want it gone asap. I am hoping to do so by the end of the summer. Keep your fingers crossed for me!


Bex -


"Yesterday is history, tomorrow is a mystery, today is a gift -thats why its called the present."


Bex -

iVillage Member
Registered: 10-01-2008
Thu, 05-21-2009 - 9:27am

When things get tough financially, I always cut back on the food budget.

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 09-20-2004
Thu, 05-21-2009 - 10:21am

When the going gets tough, first I throw a fit, and then I go grocery shopping. I am much calmer when the cupboards are overflowing. Usually, I then look through all of my balance transfer offers and take the check with the best rate to the bank so that I have a buffer in my checking account. I would rather owe a few thousand more and not have to stress about how I am going to come up with the rent money than worry about all of my rates getting jacked up because of late payments. Oh, and we defer the student loans, too. Setbacks are usually temporary...so I try not to panic.

I figure out which bills we can pay less on if we have to (utilities usually don't do anything as long as you send them half and don't let them get more than a month behind.)

We cut back on everything, and focus on survival. In the past, when I worked pt, I would up my hours if dh was having issues at his job. Now we both work full time, so that wouldn't be an option.

iVillage Member
Registered: 06-03-2006
Thu, 05-21-2009 - 3:35pm
Hmmm...well right now the going isn't too tough (me and DH both have good jobs, finally) but we are trying to pay off our debt and buy a house. So, we both picked up second jobs to bring in more cash. Also, I get so bored at work that I spend most of my day doing online surveys and such. I belong to a few of them so a dedicated month
iVillage Member
Registered: 08-04-2008
Fri, 05-22-2009 - 2:43pm

Ditto Sarah -


Dh and I do make good stable incomes, but I am also teaching at nights as an adjunct professor and tutoring at least one day a week.