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But I Can’t Pay For That!

January 25, 2020 By Christine Field

This post may contain affiliate links.

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Whether it’s an unexpected bill or a long-term project, there is sometimes an unpleasant moment when you realize that you can’t quite afford the expense. First of all, a quick word to reassure you. Chances are that you’re not the only person in this unpleasant situation. As many things in life are getting more and more expensive, it’s fair to say that more and more households worry about making ends meet or sustainable their lifestyle. 

There is no denying that practical and tactical budgeting skills could help you to tackle many money problems; they are not the only tip you need to know to handle high costs. Indeed, you can sometimes find a way out or prepare one for the future. Here’s what to do when you can pay: 

Pixabay – CC0 License 

 

It’s not the loan you were promised

If you find an unexpected invoice in the post with charges you didn’t know about, you might have fallen victim to fraudulent loan brokers. A fraud attorney can be your best line of defense to get the situation under control and regain your financial stability. Soe loan brokers fail to disclose all information when you agree to a loan, which means that you might find yourself in an unpleasant situation that isn’t your fault. From abnormally high-interest rates that differ from the agreement to aggressive collecting methods that put your unnecessary at risk, be assured that when something feels wrong, it’s because it is wrong. Therefore, the best solution is to let your attorney protect your rights. 

 

You don’t have emergency funds

You can’t maintain your lifestyle if you don’t grow your emergency fund. Failing to do so can mean serious money problems when you need to pay unexpected bills. How do you make sure you can gradually build an emergency fund? The most effective method is to use an app to help you automate your finances and keep your spending under control. 

You miscalculated your credit repayment

If you have more than one credit card invoice, you may be tempted to balance match your debt, which means paying each month an amount proportional to what you owe on each card. But this strategy can rack up your interest rate repayments! Instead, you need to use the avalanche method, which ensures you pay your debts by order of interest rate importance. As a result, you can save yourself a lot of money in the long term! The snowball effect changes the way you think about your debts – using interest rate rather than amount as a reference – and can give you more control over your finances. 

 

You need to make more money 

If you are planning a big purchase in the future, you may want to explore additional ways of making money on the side. A side hustle as a freelance writer can be a fantastic idea for enthusiastic bloggers, for instance. While freelancing is not a short-term solution; it can prove a reliable source of secondary income when you do it as a side-hustle business. 

 

Life is expensive. Once you’ve accepted that, you can begin to look for a solution to your money problems. From working closely with an attorney regarding fraud loans to changing the way you repay your credit debts, you can build your financial balance sooner than you think! 

Filed Under: Home and finances, Saving money Tagged With: financial management

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Hi, I’m Christine

Have you been a wholehearted mother, but time, toddlers and teenagers have moved on? If you are wondering what comes next for you, you’ll feel right at home here.

Or, are you a mom for whom family life has been non-Pinworthy and parenting has been downright painful? I hear ya. There are many of us around.

Are you looking for a life full of exploration and adventure after the nest empties, but maybe you have no idea how to go about doing that? Stick around! We’ll explore adventures together to help you gain more clarity for your own path.

After a couple decades of writing books and articles about parenting, homeschooling and adoption, speaking to homeschoolers and other parent groups, and reaching out to the mom in the trenches who was trying to make the best of it - my kids grew up. Some grew up and grew away. I was determined to find a way out of the pain, emptiness and lack of direction.

For many of us, the journey starts with something we moms are not accustomed to. After years of caring for and serving others, sometimes we forget the beauty and wonder of US. We need to spend some time getting to know the parts of ourselves that have lain dormant, and take the time to explore interests and passions that we set aside.

I’d like to invite you to get the “What’s Next for Mom” workbook and jump into this growing tribe of Moms who are emptying the nest and filling the life! Let’s reignite your Mojo after Mothering!
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About Christine

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At Real Mom Life, my passion is to provide resources and reassurances for moms facing the surprising challenges of family life. In my writing and speaking, I explore solutions to unexpected issues in adoption, homeschooling, special needs, and more while encouraging moms to extract the maximum joy out of each day. Read More…

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