Make a written plan.
Where it comes to health, IF you and your husband's health issues are being addressed by your Drs, try to relax. When you find you are focusing on that, take some slow, deep breaths ensuring that it is NOT into your chest.
Finances: make a budget. Write down what your regular bills are, i.e. power/food/gas/medical. Trim where you can. A lot of people spend a lot more on food than they need. Take a look where you can cut back. If you buy magazines weekly, do you NEED them? If you buy more than one, perhaps just chose one magazine for that week, IF your finances allow. If you have regular take-out meals, try making a healthy, cheaper version at home. If you drink alcohol, try cutting it out except for special occasions.
I have a spreadsheet for daily expenditure. There are various columns for food; petrol; power; phone; clothing; medical; entertainment; etc. and a column for notes. That enabled me to make a dead-accurate budget for the year. I had to apply for a hard-ship grant for our water rates. It had only just started, and I was the very first person approved for the grant of $500 (the maximum.) As part of the process, I had to see a Budgeting Service. I took my spreadsheets with me, and showed that I always payed the total credit card bill each month so didn't incur any interest. Most of my spending was Eftpos, Direct Debits or Credit Card so was easily tracked. She went through my budget and was stunned that I had managed so well, because the income was less than essential expenditure. Any birthday money I got went on essentials, not wants. I had gone through the firms that I owed money to, and explained the situation and what got us there (my late hubby's heart attacks and may other emergency hospital admissions for a couple other serious health conditions) which meant that there was no income. We were lucky in that we don't have to pay for our Hospital System here, but it still cost quite a bit of money traveling a considerable distance for his many hospital out-patient appointments as well as visiting him when he was in hospital. Because I had contacted the various firms, I didn't have to pay interest and they didn't case me either. One firm even allowed me to pay $500 off over TWO YEARS!!! They hadn't had anything to do with me prior to that. It shows that if YOU make the contact and explain the situation, they are more often than not prepared to allow you to drip-feed because to them.
All of this may seem overwhelming, but when you focus on one thing at a time, you would be surprised just how easy it really is.
| current weight: 151.0