This will help you avoid using credit when big bills arrive uninvited – and protect you from financial hardship in the long-term. Then you can pull funds from your account when they land. To combat this, figure out your big expenses and save towards them ahead of time using automated transfers to a separate bills account. Let’s face it, we all have big ticket items when it comes to expenses that can take us by surprise. Set up an account for your bills with automated transfers.It’s all about flipping to a positive mindset instead of dwelling on the negatives. Setting a clear goal keeps most people on track and makes the whole process feel nicer. It will be easier to stick to a budget or a savings plan if you have a long-term goal in mind. ![]() Asking for assistance early on is likely to present more opportunities before financial problems begin to escalate. ![]() Whilst you may be able to manage changes to your income in the short-term by using savings or more credit, the circumstance can quickly deteriorate. This might seem obvious but can present a challenge due to changes in personal circumstances such as job loss.
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