Life sometimes interferes with even the most well-laid plans. When there is so much out of your control, take a deep breath and focus on one day at a time.

 

  1. Write down what worries you. Get it out of your head and where you can see it, so the worry troll in your head can't keep spinning it round and round.
     
  2. Identify the current state of your expenses and income, then consider how you can reduce expenses and increase income, even temporarily. Looking ahead a few months may uncover more ideas.
     
  3. Pay what you can, if only minimums. Unless you have a confirmed arrangement with your creditor or vendor, it's important to do what you can and keep communicating.
     
  4. Identify what is in your control. Nothing is too small or too simple: what time you go to sleep, how much water you drink throughout the day, or starting a new morning routine; whatever it is, do it with kindness to yourself and others.
     
  5. You’re not alone. Organizations like HawaiiUSA are here to help you get back on track. Feel comfortable reaching out, you might be surprised at how much companies are willing to help.