As I shared last week in Steps 8 and 9, we found more money. All too often we stay stuck in fear and forget that we have other options. And debt is one of those examples that cripples us in fear and we do nothing other than worry. Which stresses us out, put strains on our work, and can damage relationships that can last a lifetime.
I wanted to shine a light on some new ways we can add value to our lives and to show you where the money is.
Picking up extra shifts at work is one of the first things, if you have a job if not get your ass out there and get one. Are you able to do something part time on top of your regular employment?
I love this exercise:
Take 15 minutes to do this.
Make a list of all the things you’re good at.
All the things you love to do.
Anything you have talent in.
I mean Everything. This includes walking, if you can.
Look at that list, give yourself a pat on the back. There’s more than you thought.
Now from this list, what can do right away to make more money?
What can you can do in your community that will bring you more money? Every little bit helps.
Is there something that you already have that you can use to actually make you more money? Like a sewing machine; where you can sew for other people? Do you have a kitchen; maybe you could cook for others. Use what you have.
Get out and see where you can be useful. Is there a local community center near that you ask.
Here are some more ideas:
Sell what you do not need or use. Clothing, electronics, furniture. You can sell online or in person.
Have a yard sale and sell the belongings you have that you don’t use.
Downsize your home into something that fits your current income. Why are you keeping a home you cannot afford? Coming home to a place that causes you stress isn’t worth it.
Get rid of the big car, you can find one without payments.
When shopping check out your local thrift store only if there’s something you need. Or see if you can get it for free. Maybe someone is getting rid of that thing you say you need.
When grocery shopping try to do so in bulk. Price match and use coupons when available.
You can even share with a friend – this is where you buy the bigger bulk items and split it as the stores sometimes sell them at a lower price.
Get creative in the kitchen, learn new recipes. Host or go to a pot-luck dinner where everyone brings something to share. Share recipes with others. Get the family involved. Let someone help.
Reuse when at all possible, stop using dishes that you just throw away. Stop using the dishwasher.
Did you know that in some areas your electricity costs more during peak hours. Do your laundry in the off peak hours. And hang up your clothes if at all possible.
Turn down your heat if you’re paying for it. Put on a sweater and an extra blanket at night when sleeping.
Do a clothing swap if you need to change your wardrobe, this is great for business attire and kids clothes if they don’t wreck them first. Purchasing kids clothes is great to do at a thrift store, they’ll grow out of it so quickly anyways.
Maybe you can find someone to trade with. If you need some help with repairs, or if you have extra of something trade with someone else in your community.
Ask if around, if you need something chances are someone may be wanting to get rid of the very thing you need.
We’ve all come through difficult times. And money is one of those things we are still learning about. They teach us how to count when we are in school but nothing about money. Having money issues is the leading cause for relationship issues, health issues, and so on. You are not your circumstances, you are the result of some choices you made along the way and those choices can be changed. You can come out of this and on the other side is a brighter side to life. Taking control over your money and finding more of it is just one way to help you along your journey.
Oh and don’t forget to check the sofa…