We all hit low moments — when the money’s gone and the bills are still there. Don’t freeze or panic. Here’s what to do next, step by step:
- Pause and breathe. Don’t let stress make bad decisions. Start by listing what’s urgent (food, rent, medicine) and what can wait.
- Prioritize essentials. Focus on survival first: food, electricity, transport. Subscriptions, shopping, and takeout can wait.
- Cook what you already have. Rice, beans, eggs, and basic staples can carry you further than you think. Get creative and make it last.
- Talk to who you owe. Silence makes it worse. Call landlords, lenders, or friends you borrowed from. Most people are more flexible when you’re honest and early.
- Look for quick gigs. Offer to clean, babysit, wash cars, do deliveries, or help someone move. Many people are willing to pay for help — especially when you’re reliable.
- Sell unused items. Old phones, clothes, or electronics sitting around can become cash. Look around — your next meal might be lying in your closet.
- Use community resources. Ask about local churches, NGOs, or community groups that offer support, food banks, or short-term help.
👉 Broke is temporary — your next move matters most.