What you can do
Firstly, let me say that I have used the images of poverty, just to make sure that we all realise most of us never live in true poverty.
Poverty is relative in the west but is increasing.
Times get tough but these days such poverty is not as devastating in western countries; that is not to say that it could not be though.
However, as many of us need to be able to stretch our money, in order to pay all the bills, good budgeting is essential.
Assessing the situation
The minimum wage wage is a godsend for many workers but it is not easy to live on. Before you dismiss the minimum wage remember how low some wages were in the UK before minimum pay was written into law when Tony Blair was Prime Minister.
Unless you know exactly what money you have coming in and what you have going out, how can you possibly assess the situation accurately?
Let's try and make some initial steps that will help you live on a tight budget.
What you need to do now is to make sure that you are getting value for money.
Debtor's prison a thing of the past Rich poor divide in USA If you have been made redundant, had your working hours reduced or simply become unemployed you will need to adjust to your new lower income. Even if you always live on a tight budget it can be hard and soul destroying at times. Try this action plan:-
Yes, these tips will not make you rich overnight but they may help you survive until better days. You may find though that they become a way of life as, many of these tips have the added bonus of helping the environment. So a few more tips:-
Use your hard times by being inventive and get the most out of your dosh, cash, money or whatever you call it. A few final tips:-
This means eating properly, having enough heat and receiving medical attention when needed.
Married for almost 42 years we have certainly had our ups and downs financially. We have never been rich but we have seen both better and worse days. Yes we did experience unemployment in the 1970s and more recently and we also experienced England's three day working week in the 1970s.
On the whole it has not been easy but don't get me wrong. Although we did not travel abroad until we were in our late thirties we have travelled a fair bit since, own our home and can now afford to please ourselves in many ways.
Sure we have never owned a car but that has meant that we have been able to afford many other luxuries. It all boils down to choices.
Some of the old adages are as true as ever such as 'You need to "cut your cloth according to your means"'. Yes, we would all like to live the high life but are you prepared to pay a high price for the privilege?
Be honest, try to keep within your budget and strive to improve your situation. With time your circumstances will change hopefully for the better.
Make sure that you still find some fun whilst you are struggling to make ends meet. The occasional treat should be included in any budget.
Prioritise your debts though and always pay:-
How To Do...........
Guides and articles all (C)
Leo's story - heart failure in dogs
This is a mini-series following Leo's heart-health journey and his final years.
"When your dogs illness cannot be cured, Part One
You can find "When your dogs illness cannot be cured Part Two here
plus "When your dogs illness cannot be cured Part Three"
"When your dogs illness cannot be cured Part four"
and finally "When your dogs illness cannot be cured the last goodbye."