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The Secret Garden Letters
What To Do Right Now If You're Broke And In Need
You'll be surprised at how things you'd normally have to have, become a delicious luxury when you're faced with a rock bottom crisis. Is there any way you can prepare your home to manage for short times without electricity, in case it gets shut off?
to call for help (organizations and people to help)
There are actually
groups in most every town who handle indigent expenses and food
itís through church offices; sometimes thereíll be someone who works
in the police station or dispatch office, who would handle these kinds
of emergencies. They are usually people affiliated with civic
organizations, such as the Lions or the Rotary Club.
Don't forget to ask at family and children's services, or
whatever your area calls the office where you apply for medicaid and
food stamps. (They may also be able to direct you to someone who
gives assistance with light bills etc.)
Don't forget to ask at family and children's services, or whatever your area calls the office where you apply for medicaid and food stamps. (They may also be able to direct you to someone who gives assistance with light bills etc.)
Hereís a partial
list of places to try, call them and ask for information about getting
help buying food or paying a bill until your next money comes in.
The chamber of commerce, the Rotary Club, Downtown Businessmanís Association, Lions, Woodmen of the World, Eagles, Moose, YMCA, Food Banks, Churches, Ministerial Association, etc. Call local churches and offer to help around the church in exchange for some food or aid.
care of things by priority
See if you can stop the outflow of money and use all your resources. You may find ways to increase your income without sacrificing too much safety or quality of life for your children,
It is easy for women to think they have to get an extra job, or get out there in the workplace at all, because itís possible to get some menial job quickly, but that may hurt you more than help you
The point is, take
life one-step at a time, by the priorities you have. If you have
children to take care of, see if you canít make extra money at home or
while theyíre asleep. Or maybe your husband just needs more motivation
to do better.
Donít laugh, a good percentage of men today depend on women to support THEM, and
something you can sell or a service to do to create an income
are companies you can become involved with for sales that might help.
Find some ideas for making money online here: http://www.chastityrose.com/make_money.htm
can go over your list of assets and sell off an old car, or some sports
equipment, or even extra jewelry.
word of warning, donít fall prey to the ads all around us, to work
from home by assembling products for a company by mail. All that Iíve
ever seen charged a fee up front.
Once a nephew of mine paid the fee, bought the saws to make the product, and made beautiful
same goes for the stuffing envelopes scam. The only legitimate envelope
stuffing work is where you run a direct mail sales business and you produce
and print the brochures. You generate the business, you
make the sale with the clients and you reap the rewards.
In years past, women washed and ironed clothes in the neighborhood, or helped do spring cleaning. Now we also wash cars, run Momís taxi services and create kitchen table businesses.
for the easiest/cheapest way to go at the moment
are still ways you can cut corners and put other desires and activities
on hold until the squeeze lifts.
I'm sure people have told you things like making tea instead of buying soft drinks, but only you know where your cuts can and should be made. The important thing is to use your intelligence and don't fall into a trap of depression and inactivity. This situation WILL pass and things will be better soon. Think of it as a game, or a contest of your survivability. Make it fun if you can.
you going through this at a holiday time, or when you'd normally be
buying gifts and rewards? This would be the perfect time to begin
making life "REAL". Put Jesus back in Christmas and
celebrate in ways that "make sense" not "take
short and long-term plans
should have goal sheets made up for short term and long term. Yes, you
might plan to be a psychiatrist in 6 years with a thriving business on
the west coast, but today you need to know what steps to take to get you
one day closer to that dream. So divide up your goals and plans into
bite sized, one day at a time chunks and then tackle them in order.
site of your goal and your purpose
youíve forgotten what the focus is, remind yourself fresh. Keep the
vision in your mind of where youíre going, so when the days are hard
and your spirits dip low, you can cheer yourself by seeing how far
youíve come already and know exactly what is left ahead to tackle.
an optimistic attitude. Be thankful for what you DO have today, so
you can actually achieve some progress.
verses that bring power, meditation techniques to see results
to http://www.blessingmeadowsministries.com/faith_confessions.htm and
print some of these verses out. They are Bible verses worded as
affirmations, which means you speak them out loud to yourself as often
through the day as you can remember, and they become a part of your
will transform you from a frightened child into a trusting Child of God.
Your world will start opening up and the blessings will be poured down
on your head like rain.
used these verses to fight throat cancer, and my husband is still here
today to testify that God can (and DID) take a T3 tumor and make it
disappear in 3 weeks.
to handle your family, both inside and outside of your home
children want you to buy things, your husband is pouting and making life
miserable because he canít go buy what he wants, and your in laws are
pointing an invisible finger at you as if everything thatís gone wrong
on earth is your fault. Sound familiar?
you're being harassed at home, here is the truth. Houses, financial
paths and marriages take two people to perform. You may be 50% of the
problem, but youíre certainly NOT 100% of the problem. If you were,
hubby would have gotten up and gone to work or the bank or wherever he
would need to go, to rearrange his life to make it all work, and told
didnít do that did he? He just yelled and accused, and pouted like a
(Women do this as well,
I don't mean to be sexist.)
(Women do this as well, I don't mean to be sexist.)
them all down individually or together and show them the situation. Let
everyone know what is happening and what the solutions are. Let everyone
know that THEY will have to play a part in the solution for it to work,
and if they want things to get better they will have to cooperate.
That means hubby works every chance he gets. Children do chores and look
for odd jobs in the neighborhood, with your approval. No one gets to
fuss and complain about money and no one gets to sit on his or her duff
and let you handle it all.
they wonít cooperate, remember where the door is, my friend, and walk
right out of it. Even if you only begin walking down the street, and
come back later, sometimes a scare like that will get everyone working
of ways to make money, you choose
from above, start here:
your will and legal info in order
is the perfect time to tie up loose ends, make that will youíve been
putting off, (even if it has to be handwritten, but make sure it has 3
witnesses to the signing, in front of a notary.)
care of your bank and credit cards, the records keeping and even your
own health. Do whatever you can while youíre waiting.
failures or losses, only fluid changes
isnít about failing and succeeding. Itís about living each day as it
comes, making the best plans but being flexible enough to roll with the
punches. So when it seems like you didnít accomplish your expressed
goals today, relax.
are millions of people worse than you are who are lazier, more crooked,
fatter, less attractive, etc. And of course, there are people poorer
than you are. Just be thankful to God for all that you have, and take
time to notice each thing.
fact, spend some of your time now, praying for others, hearing about
their problems and your own will seem less severe. While you're
busy thinking of others, your own problems will work themselves out.
must not lie. Lies destroy, truth builds
is a very simple principle, but so true. Avoid telling lies at all
costs. Be honest, humble and up front. Ask for help, ask for advice.
Donít seem to be a smart aleck. Donít pad the truth to make yourself
on your own family, focus and rebuild
of going off in all directions, or placing blame, or even planning a
huge remodel of your house when you have time, donít overlook the
children who are really the heart of your home. Do for them, take
time for your family, and time to rest.
times can be turned around to be good time for taking care of things
youíre usually too busy to get done. They can also be learning and
growth times. We donít have to think of ďbrokeĒ financially as
anything more than temporary circumstances. Itís all in your attitude.
may be able to schedule a weekly visit to your home by the book mobile
of your local library. What a treat! Play with your children
and make a ďfortĒ with a blanket over a table or some chairs.
Help them have a mini picnic in your living room, or create your
familyís first ďOlympicĒ games with sofa cushions, or outside yard
sites to glean information from
are some web sites that you should look over for frugal inspiration. You
can find how-to items by category, coupons, support etc. You may decide
to start a new business from something you learn here, or change
significantly some of the products you normally buy.
things you spend money on can be eliminated by simple changes in
lifestyle that will make you healthier and save money. (Such as by using
the Masterís Miracle soap in place of all your detergents, shampoos,
toothpaste and cleansers.)
The Masterís Miracle product is no longer the original formula, so you
need to look for ďMiracle IIĒ which is the original, wonderful,
are some sites that sell it.
to be cheaper?)
Saving Tips, great information:
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