In debt and feeling down, what should I do?
Understand your debts, first solve the most urgent ones.
List all your debts and see if you can negotiate for an extension. Prioritize paying off high-interest debts and those that are being aggressively pursued; don’t wait until it completely explodes.
Don’t spend recklessly, but don’t starve yourself either.
Ensure your basic living needs are met; don’t sacrifice your livelihood to pay off debts. Save where you can and use your money wisely.
Making money is the key; just saving isn’t enough.
If you can take a part-time job, go for it; if you can start a side business, give it a try. If all else fails, look for a higher-paying job. Enduring for a while is crucial for turning things around.
Don’t push yourself to the brink; being in debt doesn’t mean it’s the end.
Who hasn’t faced tough times? This is just a phase in life; many successful people have been in massive debt before, and getting through it is what matters.
Don’t fantasize about getting rich overnight; taking it slow is more reliable.
Don’t think about going all in to turn things around; those who rush to recover often fall harder. First fill the pit, then think about how to make money.
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