If you’re trying to recover financially after a major emergency, you might feel isolated, lost, scared, and very alone. Here’s a little something to cheer you up: you’re not as alone as you think you are. Even though it’s not discussed, the recession is something that has really affected a lot of young people. They don’t have as much experience as other people, which means that they are always getting left behind. They want to get more involved in local politics and other issues, but they find that they can’t seem to focus on anything except the monumental amount of debt in front of them.
First and foremost, you need to step back and see what type of debt you’re working with. If you are dealing mostly with medical bills, you might be able to have part of or all of the costs waived because of your low income status. If someone tells you that it can’t be done, find someone at the hospital that says that you can. It’s quite possible to push forward instead of thinking that there are no solutions. You will get a lot of people that will say no when the reality is that it is quite possible to get things done. You just need to figure out what you’re trying to do and go from there rather than just assuming that there’s just no way that anything can connect together.
It’s something that you have to think carefully about, but the reality here is that you have all of the power in the world to change your life. It starts with changing your mindset as much as possible. Even though this can be hard to do, it’s always worth doing when you really think about it. You just need to have a little faith in yourself.
Start small — the debts aren’t going to go away quickly. You will need to remember to still set something aside for the future while you’re paying bills. You still have other things that need to be done, and that means that you need to have some type of focus. You have to realize that now is the best time to take action. You have to realize that the more action that you take, the more outrageous your results will be. While most would expect you to lie in bed and feel sorry for yourself, you need to go above that by revising your plan.
Can you work with a nonprofit credit counseling education? That would actually help you get things done because then you have a third party on your side. They can negotiate with creditors on your behalf as well. Let’s face it — how many among us have excellent negotiation skills at the age of 21? That’s a hard thing to consider.
You might be feeling a little fragile after a major life change, and that’s understandable. Don’t try to rush yourself by saying that your feelings are invalid. You have to think about everything that you want to achieve and just go out and do it. Why wouldn’t you want to start right away? Once you see yourself improving over time, you’ll truly be glad that you took action now rather than waiting for things to happen.