1. Keeping calm despite the pressures

When a moment of crisis arrives, it is easy to fall into a situation of anguish or panic because of what is happening. This happens to those who have a lot of debts or lose part of their income.

2. How to make a budget from scratch (and you can always cut expenses)

To do this, you have to make a list of your income and expenses and "identify those unnecessary expenses that you can cut from your budget".

Maybe there's a streaming platform you use too little, or you spend too much on ordering food online instead of cooking at home.

There are different ways to make a budget and certainly none is better than another: the important thing is to find the one that works best for you.

3. How to make a plan to pay debts

Almost without realizing it, the day has come when your debts have piled up.

You may be paying the mortgage on your house, the car loan, the bank loan to cover a medical emergency, the college loan, in addition to the two credit cards you have always used on a daily basis.

4. Don't forget to save (and invest, even if you have little money).

If you are in financial trouble and have accumulated debts, the savings part may seem unattainable.

However, those who have managed to cover all their expenses, have the mission to allocate a part, however small it may be, to saving.

Translated by: A.M