Face the facts
面对事实
Not being sure of the extent of your cashflow problem will only stoke your anxiety. Schedule some time to go through all your statements and bills. Find out if you really are in the red and, if so, by how much. Knowing what you are dealing with is the first step to sorting it out. The mental health charity Mind suggests asking someone you trust to open the letters for you.
不确定现金流问题的程度只会给你的焦虑添油加醋。安排一些时间来检查你所有的对账单。找出你是否真的在亏损,如果是,亏损多少。知道你在处理什么是解决问题的第一步。心理健康慈善机构建议让你信任的人帮你打开信封。
Create a budget
作出预算
Once you have a handle on your outgoings, look at your income. Work out how much you have left over after you have met all of your obligations. When you know what you can afford to spend each month, you will feel more in control. Free apps such as Yolt and Money Dashboard can help you track your spending, while online banks such as Monzo let you set spending limits.
一旦你控制了你的支出,再看看你的收入。计算出你完成所有日常消费后还剩多少。当你知道你每个月能花多少钱时,你就会觉得一切尽在掌握。
Ask for help if you need it
需要时寻求帮助
If your debts and other payments are too big to tackle, get help. Energy companies and banks will usually consider lower monthly repayments if you call and tell them you are struggling. Charities such as StepChange and Citizens Advice can help you check that you are claiming any benefits you are entitled to. They can also refer you to other services if you are experiencing anxiety. Sue Anderson, a spokeswoman for StepChange, says people shouldn't put off seeking help: "Delaying seeking help often makes problems worse – people often borrow to try to make ends meet and can end up in a spiral of ever more expensive borrowing as a result.”
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