How to overcome a personal financial crisis: step-by-step instructions. How to get out of the life crisis with benefits for yourself & NBSP How to get out of the crisis situation in life

The air around you literally rings from the voltage when you understand that it is urgent to do something. Usually this condition does not occur immediately, it is long generated from small pieces, pouring in power, and then condensed on you, generating a shock wave of anxiety and fear. Everything suddenly eludes through the fingers. And when you decide to truly appreciate your financial condition, the results will shock you to the ground.

The only way to float from this muddy water is to take your panic under control.

Step 1. Stop spend time

Faced with a stressful situation, many use tactics "do anything, just not to think about the bad." We spend time and energy into cases that have nothing to do with solving the problem. So they try to distract themselves a little, but how terrible then look in the eyes of reality!

Stop! Focus only on the problem! If you feel too broken to think about her, relax, to attack it the next day with fresh energy.

So, defeats fear, you looked at the bottomless eyes of your financial crisis. Now we start to act.

Step 2. Stop lungs

The most severe during the financial crisis is the feeling of hopelessness. Money is constantly ends, but you can't understand what you spent them. The accounts are empty, and it is scary.

At this point, you need to stop the most obvious leaks, and the easiest way to do this, cutting off the path to impulsive spending:

• leave your credit card and most of the cash at home;
• disconnect online banks.

This, of course, resembles attempts to shut up a leaky bucket with a cloth. It is impossible to be called a full repair, because the water will still overcome this obstacle, but for a while you stop flowing and get ahead to come up with a better solution.

Step 3. Look for money at home

Stress from the financial crisis overtooking you is constantly exacerbated by the proper need for regular expenses: you need to feed the family, well, or yourself, dress, pay for the apartment ...

In this situation, refer to the resources that you already have. Surely it turns out that at least a week you can eat that meal that is on the shelves and in the refrigerator. You just got used to buy something all the time. And breaking the cabinets and storage rooms, you will find that there are still enough decent clothes and shoes.

By the way, during the excavations you are likely to find and what can be sold. You have money at home, look for them and do not rush to open a wallet.

Step 4. Develop a rescue plan

You stopped explicit money leaks, what's next? Now you need a plan to make finance in order. The reasons for your plight may be different: sudden dismissal, health problems that have demanded large financial investments, a lot of credit and the like.

You need to study as many materials as possible about how to act in your particular situation. Believe me, you are not the first to come across it, and therefore you will surely find many tips and solutions.

On their basis, build your personal outlet plan from the crisis. When he is in your hands, you will feel the fear and stress gradually let you go.

Step 5. Every day do something

Whatever cool is your plan, it is useless if you do nothing. It is necessary to implement it. Each your active step will increase your mood and reduce tension.

Sell \u200b\u200ban unnecessary thing - immediately pay a part of the debt on the loan. If you unexpectedly fired, stand up on the science of labor to temporarily receive benefits.

Constantly look into your plan and think that you can do from it right now. And making - see again. And so every day.

Step 6. Talk about it

The best thoughts often come to our heads in those moments when we start talking about our problems. If you are an extrovert, then you will be useful to talk with a person who you fully trust: explain to him the situation to the smallest detail, and you yourself can look at it in a new way.

If you are an introvert, then you will help: tell all the paper, do not think that it will be messy. First write, and then try to organize these records.

When we tell or write about the problem, our subconsciously thinks of it and from the depths will take unexpected decisions.

Step 7. Do not hide anything from your partner.

Financial problems are leading in the list of factors, breaking marriages. Cash issues themselves are often the causes of quarrels, and if there are other cracks in your union, the financial crisis will accelerate the gap.

The best solution is honesty. Do not hide anything from your partner. Lay out all the cards on the table. Admit your mistakes and omissions.

It is impossible without mutual honesty. And if you are waiting for it from a partner, then start with yourself.

Step 8. Eat healthy food

To combat any stress than it caused, it is important healthy nutrition. Refuse all semi-finished products and prefer only healthy and natural products. I foresee the wave of objections from readers who will say that healthy food is now rather luxury. And still try to find a balance: use all kinds of cereals, natural meat and bird, available vegetables. Not so long ago, we wrote about how without compromising quality.

Unbalanced nutrition leads to a bad physical and moral state. And when you encounter a crisis, malaise will be very disturbed to you.

Step 9. Support a good physical shape and rest fully

Go hand in hand, enhancing each other's effect and promising you excellent physical and moral well-being that is so necessary to fight with stress.

Daily allocate time on a small charge and walk. You do not need to be killed in the gym, pumping reinforced concrete biceps, you just need to be in a tone.

A sufficient amount of time. Go to the bed early to wake up not by alarm clock, but according to your own biological rhythms. Thanks to a healthy sleep, your mind will be clear, and the mood is good.

Step 10. Use free time in your pleasure.

Last tip: Find free hobbies for yourself. Do not confuse it with classes that allow you to just pass the time, such as web surfing, for example. Find what you are immersed with your head, something that brings pleasure and leaves a happy aftertaste. Conducting free time for such activities, you strengthen your moral condition.

The financial crisis is a hard test for any of us. But you understand that if you lower your hands and try to leave everything as it is, it is better not for sure. Hold on, go forward with a clear mind and a strong spirit and solve problems.

Ignore this fact is impossible because it is a reality. In various industries there was a decline in 10-15% compared with last year and, according to analysts, the fall will continue at least until 2018. For businessmen, difficult times came, but this does not mean that life stopped, and the "countdown" mechanism was turned on. You need to learn to survive even in the crisis!

At such periods, leaders usually think about the most pressing issues:

• how to reduce costs?
• how to stop the drop in sales?
• how to attract new buyers?
• where to take money to pay bills?
• what payments to conduct first?
• how to make counterparties quickly pay, but at the same time not to lose them as customers?

However, far-sighted companies in crisis periods do not stop innovative activity, since it is right that such a step will be equivalent to the defeat. On the contrary, in difficult times, they produce new strategies to support business, applying anti-crisis marketing technology.

What is anti-crisis marketing?

Under anti-crisis marketing, the search for the hidden opportunities of the market, which under normal conditions ignore, leaving on the "black day". Knowledge of this nuance allows not only to stop the fall of the market or its separate segment, but also to ensure growth even in the crisis.

There are two key indicators: the volume of the market, calculated on the basis of sales, and the market volume calculated on the basis of needs. The second indicator, as a rule, exceeds the first several times. This means that buyers have a need for the purchase of goods, but for some reason it is not implemented, and the goods remain in stock. The difference between the second and first indicators reveals the incomplete sales volume, that is, the hidden market opportunities. The task of anti-crisis marketing is to offer to buyers of what matches their real needs.

Some people have a clear idea of \u200b\u200bthe product that they are willing to buy. In search of the desired model, a style or colors, they spend a lot of time, bypassing stationary outlets, looking through the pages of online stores. Without finding what they were looking for, they do not buy the other instead of the desired goods, but continue to hope that all the same, someone will offer them it. In this case, the need will be satisfied, and the sale will be accomplished.

But the needs are formed not by themselves, but under the influence of the idea. In other words, the idea that turns it into the consumer and motivates to buy a product that allows you to implement this idea.

1. Sincerely convince yourself that you really want to get around competitors and get out of the crisis by the winner. How to achieve this when there is a mountain of unpaid bills on the table? One of our customers was in such a state at the end of last year. Over the past few months, he scored new employees and thinks about further expanding business. There is no single recipe, but it may help you to help the tips formulated below.
2. The main attention is paid to the cohesion of your team. The saying "One in the field is not a warrior" is now relevant than ever. Do not try to take everything on yourself or completely translated to someone from the subordinates. Remember the well-known example about a broom, which is easy to break through separate twist, but it is impossible to reverse the entire one. Look for solutions together. Be the initiator and head of regular brainstorming. Turn your employees in like-minded people. It is not as difficult as it seems. Surely they do not want to stay without work and understand how difficult it is to find it in a crisis.
3. Be sure to encourage the initiative of the staff. If not materially, at least morally. People should feel something depends on them that they represent value for the company. The tritomatic example of Japanese corporations that are not disregarded by any proposal of their employees aimed at improving the company's activities is a bright illustration of what can be achieved with this approach to the organization of business.
4. Observe yourself and your true desires. Be frank with you. Very often, people do not at all what they really want. If the management of the company is a heavy burden for you, then you can hardly really get around competitors until you form a system of internal incentives. I sincerely answer yourself to the question: why do I need all this? If you are honest and try to "get to the truth", then you may be very surprised by the results of our analytical research.
5. Working out the motivation system, remember that money is definitely important, but is not a dominant factor determining human behavior. Recently, at one of the mailings, I received a curious material about the results of the next study of foreign scientists. Interesting new toys were purchased two groups of preschool children. One group was allowed to play these toys then and so, as they want, and the children of another group were encouraged each time after the game. Do you know what happened after a while? Children who are accustomed to promotion, completely stopped playing themselves, without external stimulation, and children from another group continued to enjoy the game itself. Conclusions can do themselves.
6. When setting goals, remember that they must be specific, measurable and achievable. Oddly enough, this simple rule allows you to achieve very weighty results. One of our customers who did not have higher education, managed to build a rather large business, methodically following the recommendations received on the courses ended in the school managers. Every day he ended up the goals of the next day for his employees. He did not use the computer, wrote from his hand, but, as he was taught, the goals were concrete, measurable and achievable. The result exceeded expectations.
7. Be sure to analyze your progress and failures. Try to understand why you have achieved success, and what exactly led to failure. This will allow you to formulate rules for yourself and your employees who will help to achieve the desired results. It is better if the successes and failures you will discuss together with the members of your team.
8. Think about what you limit yourself and your business. Most people, especially middle and older, are conservative in nature. Life experience allows us to avoid multiple errors, but - alas! - becomes a natural internal limiter of our development. Maybe there are any new opportunities to apply your products and services? Isn't it worth expanding the range? Are there any interesting ideas of promotion beyond? Do you often think other people say nonsense?
9. Do not limit your life and life of your employees with work. Only a person whose life is balanced, can succeed. The work is definitely important, but by no means the only part of life. If employees have time to personal life, sports, hobbies, professional and personal growth, then the business will only benefit from it.
10. Try to achieve your goals and follow the rules established by you. Do not succumb to the temptation constantly postpone and look for excuses. The result will not make yourself wait.

The crisis makes you revise the company's strategy, look at the business and look for new incentives for development. With proper behavior, it can be the time to implement opening opportunities, allowing to increase market share, optimize business processes, promote the acquisition of new partners.

Of course, not everyone will be able to go through the "baptism of fire". Especially heavy losses are waiting for a small business that is most vulnerable to the crisis. The viability of the company depends on how its owner in the near future will behave. There are several rules that should be adhered to try to protect your business from fatal losses.

1. One of the most important measures to the crisis is to reduce costs to the lowest possible level. Expensive repairs or complex marketing research is better to postpone up to more calm times. Analyze the prices of competitors of their suppliers - you may find someone whose prices will be more profitable, it will also save.

Evaluate the effectiveness of each employee and break up those who do not bring much benefit. Now you have a good opportunity to optimize the staff. But here it is also important not to overdo it, otherwise it will be better to work. Employees should be exactly so much the business is possible.

2. Streamlining finances, decreased appetite for risk. If possible, the maximum reduce the volume of loans. If the demand for your products falls, monthly payments on loans can ruin you. It is better to get rid of foreign currency loans: to pay them early, if there is such an opportunity, or try to negotiate with the bank about their renewal to ruble.

If no new loans do not work at all, at least choose a bank that does not overestimate credit rates. After increasing the Central Bank of the key rate up to 17% of the loan rates for small and medium-sized businesses in many banks, up to 30% per annum and higher took place. But still you could find banks that gave loans for less than high interest.

3. Revise the list of your debtors, leave only those whose financial consistency does not cause you doubt. Stop relationships with those who delay payments. If the company is irregularly paying in a "peaceful" time, the situation will become even worse in the crisis.

4. For those companies whose business is tied to import, it makes sense to search for his domestic counterparts. If it is impossible, it is necessary to insure currency risks. This can be done using forward currency contracts that allow you to fix the currency rate on the day of the contract, and buy it at a later date. If during this time the ruble rate will decrease, it will protect you from losses.

5. Stream reporting, take measures to increase its efficiency and transparency. Transparent reporting will give you an advantage in negotiations with potential investors, and when communicating with controlling authorities.

6. Attracting money in the company. Think which of the assets you can sell, rent or lay, if the situation worsens. Real Estate, Machines, Equipment - All this can be tried to sell or use how to ensure debt repayment, and the premises are also leased.

In crisis times, the possibilities for development receive companies of sustainable sectors that do not have an appetite for credit risks. For example, among our clients there is a company - a manufacturer of paper wipes of economy class, which in 2008 reoriented to products for other market segments and "left" part of the market at its competitor of premium class. When people begin to count money, it always happens to hand producers of cheaper products.

Pay attention to state procurement or tenders who conduct large companies. You may find new customers or open new sales markets. It is well known that the proximity to "big money" can help easier to survive the crisis. In the US, for example, the construction of highways was started at the height of the Great Depression. The government wanted to reduce the unemployment rate due to road construction, and the construction companies thus got a good chance for survival.

8. Pay special attention to the sales system, increasing its effectiveness. Adjust the target audience of consumers of your products. Develop new standards and system of promotions for sales department staff. Use Internet advertising features. Arrange the promotion and special offers if possible, it will help to attract additional customers.

9. Restructuring or recruitment. Think in advance whether there is a niche in the market where your company could leave in case of a strong drop in demand. For example, a studio for sewing clothes may well be replicated as an anti-crisis measure to repairing clothing. In the crisis, people are less buying new things, but repaired more often.

10. And, perhaps, the most important thing. Do not spoil relations with partners and creditors, even if the situation is trying to force you to this. If you understand that you will not be able to fulfill obligations in time, be sure to report this to the bank or partner. Honestly, warn about the difficulties that have arisen and remember that the bank is interested in finding a mutually acceptable solution. From how honestly and openly you interact with partners depends, first of all, your reputation, and, unlike the crisis, it will remain with you forever.

As well as tsunami or Typhoon, the crisis will not last forever, sooner or later it ends. People living near dangerous areas can not avoid a natural disaster, but try to prepare well to him - strengthen the walls of the house, to build protection, stock up the work. The same thing in business: the better you prepare for difficult times, the higher the chances that your company will be able to survive them without dramatic losses. It has long been known that the crisis is not the smartest, and the most organized.

What is worth working with?

Products, Services

• Suggest a profitable packaging option if you sell in small batches, those who are limited to the budget. Come to something new. Develop your products and services. If you come up with what can make customers more successful, effective, then immediately place them to yourself.
• Forget about price increases now. Yes, it should be more expensive, yes, you have increased costs. This is unfair, but the wave of negative reviews about your enterprise is nothing. In addition, and customers are now hard.
• It is worth reviewing the range of products offered, services. Some of them are definitely necessary to leave them. It should be borne in mind that those who had a lot of money will remain active clients. The average will start saving and wait. Optimally, in the assortment there were cheap and expensive products.
• Do not regret the refusal of some products. What is for sale should be sold, what is sold better, to sell in large quantities. And you always need to offer a choice.
• The use of many products and services requires special knowledge. Therefore, you should think about free information regarding this.
• It is worth thinking which products can be cheaper permanent customersIt is important to tell them about it. Optimally packaged and update products with this offer. Sometimes forgotten old becomes popular new. It is worth showing that you have a new one.

Customers

• A good relationship – important moment During the crisis. Human nature does not change only thanks to economic changes. People buy only those who trust. Customers always feel related to them.
• You should find time to chat with the client fully. Very easy to do business from the office, promote goods and services by phone. But you can miss a number of opportunities without talking to the client live.
• It is worth thanking its customers. It is also necessary to encourage them if they recommend any products, the services of your enterprise. Let customers bring several more, which may also become customers. This, of course, should be rewarded, you should consider possible bonuses and discounts.
• All customers should be kept in the know. They need to send letters, call, tell what new methods have become applied. If you do not tell them about it, then maybe they never know about it. It is necessary to show them how they are trying to make satisfied.
• It is important to be flexible. Maybe the perfect client of your enterprise is a large company, but there is no possibility to satisfy all its needs. You need to start paying attention to minority companies and help them. It is important to learn to lavish. Is there a bonus system for customers? If not, it should be formed. Alternatively, customers can carry out one of the purchases at a lower price.
• It is worth breaking up with bad customers. Now time focus on the best, those who pay on time. From those who only take time, not giving anything in return, you need to get rid of. It is important to remember that customers do not worry you, your knowledge or your problems. They are worried only their interests, only their own "I" - what will I get from what I will put in you? If something else is worried, certainly you need to learn about it.
• In order not to be unnecessary, you should ask those clients who do not want to cooperate, about the reasons. You can write them after a while and offer a substantial discount. In the crisis, everyone will look at the price, you need to remember. Those for whom it is paramount, more demanding, they can be pretty tired in pursuit of the best price-quality ratio.
• You should always look for new excellent customers. Because if you do, as always, then the result will be such as always.

The target audience

• It is important to clearly understand the client. How can I make it satisfied? What can be done for him today? You need to come up with at least 5 chips "quickly and cheap" to customers. It is important to find and realize the possibility that new customers of your enterprise can contact, communicate with old. it the best way Show your reliability, penetrate clients with sympathy and trust.
• If it became known that any of the key clients decided to stop cooperation, it can cause unpleasant emotions, sometimes panic. But it is important to remember that this situation is quite possible, and to show flexibility to survive these changes. But if the client is simply unhappy with something, it can be corrected - offer a discount or replace the employee who worked with him. However, in the absence of mutual understanding, it is worth come true with loss and move on.
• Through negotiations with clients, you can find out not only than they are unhappy, but also to understand what should be changed in business, which strategy is correct.
• The fact of the loss of a serious client will be quickly known, and it may very much that others will respond to the departure. It is important to make the right conclusions. You should always pay attention to marketing. A plan and clear following is needed.

Sales and Marketing

• If communication with customers by phone causes complexity, you can send them letters with a proposal to visit the website of the enterprise. After they familiarize themselves with the information available, it will be easier to communicate with them.
• It is important to remember that 80% of all commercial offers are triggered only after the fifth call. But only 5% of sellers make more than 4 calls.
• It is worth calling the people who control the cash flows. Perhaps it is time to negotiate not with the manager, but with the director - at this level the decision is made faster. In its promotions, you need to focus on the fact that you are the seller, and advertising should provide sales.
• It is worth analyzing the marketing activity of the enterprise over the past year (ads, direct marketing, Internet marketing, PR, telephone marketing). It is important to analyze what was expected to have achieved how much spent what can be improved. All meetings with customers are not a visit to politeness, but the path to achieving the goal. It is necessary to find an argument why you need to buy from your company, tell us about this.
• If it does not work all the time to be in the office, you can record the address of the website of the enterprise for the answering machine, so that the client can independently familiarize themselves with the products and make an order.
• It is important to increase the value of each order. It is worth calling each of the customers. If there are such to which it is difficult to get through, you can invite them to a personal meeting. Such customers should give necessary information About the enterprise, the opportunities available. This will help you get closer to the client. It is worth thinking whether customers can be used as sellers, how they can recommend your enterprise as they can lead their friends familiar.
• It is worth thinking how long ago visible ads. If work is offered in the field of your competence, you need to call and offer your services as a consultant.
• You should view each advertisement laid in the box. Perhaps this company needs help and services.
• It is important to help new customers feel at home. When selling specific products, products, the use of which requires special knowledge, skills, etc. It is necessary to give appropriate clarification. If products for parents are sold, then you should be ready to meet with children of these parents.
• You can find out the addresses of newly created enterprises. Perhaps someone can become a new client. In difficult times, this is a relevant decision. It is important to show customers the possibility of an enterprise in their field, solving their problems.
• It is worth communicating with customers, try to answer questions - who recently worries about them, who tried to solve their problems. It is important to be able to conduct a customer dialogue, listen to them, ask more questions, call, meet them. We can offer substantial discounts to new customers, it makes it easier to make them loyal to your business. Good customer relationships are now a serious bore for the future.

the Internet

• The company's website should be maintained and developing an online store. When sending letters to customers, you can offer them to choose whether they need a subscription to the newsletter.
• The website of the company should be useful, current information. What is more, the more confidence in the company's website and the enterprise itself. If people want to fall into depression, let him do it elsewhere, and not on your site. There are newspapers with bad news. It is important that professionals were engaged in creating, filling, developing and promoting the site.
• It is worth helping site visitors to different advice. Selling over the Internet, you should always track the prices of competitors. It is important to take into account that many are looking for goods cheaper.
• From the site you can sell e-books, Create training programs. In some cases, it is worthwhile to change its view to the site. It is advisable to analyze the content of the site, to answer the question, whether it is responsible for the requirements, customer requests during the crisis, useful and relevant content will be attributed to the site of new visitors.
• If work on an increase in the number of customers has not yet begun, it is important not to postpone it for later. You can start with the mailing list, where to tell about the new products of the enterprise. To make a good commercial offer, you just need to know customer needs. It is important to remember that everyone wants to feel a special, important, elected.
• You can print the contents of the main pages of the site and analyze them. It is worth putting yourself in the user's place and think, whether it is easy to find what you need. It is important that the visitor liked the site to stay on it and came again and again.

Staff

• It should take care of the best employees, the crisis - inappropriate time to lose the team. It is important to encourage those who work well.
• You need to train sellers. In order not to spend time on personal training, you can organize video conferencing. It should work on the communicative abilities of personnel. Each client with whom your employees communicate must be served to the highest category. It is very important that the staff understand such installations, since it depends on whether your company will survive in the crisis.
• It is important to appreciate your time and staff time, to properly express accents. The competence of personnel is of great importance. It is worth thinking that you need to improve what new knowledge is missing for employees. Take advantage of the opportunity to increase the level of personnel knowledge - the right decision. To all, training during the crisis can cost cheaper.
• It should be done to understand the staff that you wonder where money is spent, in what size and why. It is necessary to commit employees not to make unnecessary purchases. It is also important that employees in working hours do affairs, and did not solve their private questions.
• It is important to try not to reduce salaries, adequately assess the contribution of each. You should clarify to employees that they should refer to customers in a special way. It is worth taking pleasant people to work.

I received some kind of education, began to work somewhere and hung on the years. You are still young, but no longer as I would like. Work is not happy, personal life is average and prospects for the future. In good large companies do not take, there are no ties, there are no connections in the top managers. Familiar buy cars, apartments, hold leadership positions, marry children. And you are not so. There is no prospects, there is no future, and depression delays in the bunch of alcohol, panic and despair.

Such a story in many people. Someone simply pops up with dreams, others drink, the third fights all their lives about invisible feels. What to do and how to change life in best sideif it turned out to be in a deep crisis?

How do people come out of the life crisis?

Losers, alcoholics and homeless are just those who want it.

Let's start with the fact that there are no universal councils. No one will tell you go there, do it and do it. But you can all change if you start acting.

One of my familiar was from the poor and not at all a prosperous family. She had a humanitarian education, but a big faith in herself. She failed to have a job interviews several times. But she did not hang her nose and continued to be persistent. She continued to study, engaged at home round days, additionally went to courses and was taken for different partings. Only after a year and a half she was able to get a job of his dreams. She achieved the desired.

My one-laugher after studying returned to the periphery home. He got married, received an average position and lived not intern. But after a few years we divorced, and at work began to pay quite a little. Depression, alcohol and crisis in life. But one tourist trip to St. Petersburg has changed everything. The one-laugher gathered things and moved to Peter with one bag. There he found himself new job And a new wife. But for this, in a new city, he had to work a lot for three years.

Another comrade was sitting on the neck of his parents while the girl did not leave him. This served as good motivation for change. The guy sat down for programming and in a year was able to get a first job. 10 years later, that loser and he now is completely different people.

How to get out of the crisis in life?

How to get out of the deadlock and the complex crisis in life? It is necessary to understand what the crisis begins in the head and ends there. If you are in full ass, but it's time to start acting.

1. If you do not know what you want, then nothing to achieve. Put yourself specific goals.
2. Never regret myself. Stop to cost a victim.
3. Do not shift the guilt on parents, friends, government, lot and others.

4. Your life depends only on you. A miracle will not, and no one will save. Only himself.
5. Wake up fear. Do you want to be at the same point that now?
6. Learn, taking self-education, get new knowledge to the maximum.
7. Bey and knock on all the doors. Try, try and try again.
8. If it turned out to be in the pit, it is necessary, first of all, stop digging.
9. Remove everything from life from: bad habits, weaknesses, toxic people.
10. Age is a digit. You have time for all your dreams.
11. No one should do anything. No one.
12. Do not wait for a suitable case, and create them. The best day for change is today.
13. Work on your mistakes and take it out of them experience.

14. It makes no sense to wait from the sea of \u200b\u200bthe weather, and under the laying stone water does not flow.
15. Do not compare yourself with others, and put and reach your own goals.
16. Details on vacation, full sleep, healthy eating and sport.
17. Pina themselves every day for motivation and development.
18. Look for like-minded people and those who think similar.
19. Stop doing something that does not bring the desired result.

20. No prospects in your hometown? Leave to another city, the capital or other country.
21. Always constitute short-term and long-term plans associated with time.
22. Believe in yourself and become more confident. Stop dissolving snot.
23. Start to act. You will succeed.

The main problem of the crisis is that under the pile of difficulties your personality dies. Trying to take everything on yourself, we forget about our own interests. Indeed, in a normal calm state, we solve a lot, without even noticing it, but with more difficult questions we cope as you can.

The reasons for this can be both long and unresolved and those that caused a certain situation. Too strong stress Can knock out a gauge, and you will lose the ability to reason sensitive. But life does not stop and requires your participation in everything. At the rolled problem only exacerbate.

With deep reasons, such problems should be able to deal with a specialist, but you can use the express methods to get out of the crisis quickly and efficiently.

Pay time to me

Such a passage should be the first and mandatory step. It will be impossible to escape from the vicious circle of problems if you do not find the opportunity to deduct from everything that you will pressent at least for a while. Learn honestly not to think about problems need to start at least 10 minutes a day.

Separate extra

First of all, leave the fact that it has long been running and to solve what you need a lot of strength. This should be done not in order to return to this later, but because in a state of stress you will not be able to see the real situation and risk to make false conclusions.

If there is an opportunity to solve one of the problems, putting the minimum effort, I will definitely use it. Is it possible to find a job in difficult times? Watch the video!

Review priorities

Perhaps the crisis is the result of the fact that in your life there is a lot of time to change: your interests have shifted, your attachments have been outlined, your needs require realization completely in another. It is difficult to notice at once, but sooner or later nature will take its own in the form of a mental protest.

Find support

Very important . Let it be one person who understands you, or many different contacts in which you feel better. Even a conversation with a random fellow traveler can give the therapeutic effect, even though it is not necessary to devote to the details. As a last resort, see optimistic movies, listen to your favorite music and use everything you can restore you.

Start looking at difficulty otherwise

Do not turn on the complexity of the whole soul. The principle "Do what you can, and be, what will be" pulls out of crises not worse than a professional specialist. Stress does not allow moving on, but nevertheless you can move. You can feel helplessness, but keep in mind that in fact it is just a feeling.

Stop win

No one is waiting for you, if only you yourself do not take it in charge. In the stories of the loser there are a lot of benefits, and, if you do not overdo it, they can help you temporarily come to ourselves.

Remember about the future

It is much more constructive than any permanent trouble, it will pass, you need to learn to look at the horizon, and not just under your feet. Always have an inspiring target ahead and keep yourself for the best.

Instruction

Determine the rules for repayment of debts. Debts - an emotionally unpleasant topic, so some people behave like ostrises: head from tense thoughts. Adult man must be like a lion with a fearless heart. Make a list of all debts. When the numbers are transferred to paper, thoughts are released, and the voltage falls. Do not hold anything in mind, all trust paper to focus on the positive moments of life. The amount of debt can suppress the will, if you compare the resulting amount with current income. Do not think about how many months will have to be in financial slavery. Determine the percentage of monthly income, which will be directed to debt repayment. With each month, the burden will become easier.

Change the relationship to expenses. It will take a rigid discipline, so write the plan current expenses. Give yourself a word not to retreat from the established rules. It will not be easy because others can afford greater. Do not go for them. Decide which financial habits need to be changed to keep costs under control. If you used to buy ready-made food, now purchase cereals, cheap vegetables to prepare yourself. Refuse expensive meat, sausages, instead, buy inexpensive chicken sets for extinguishing. Do not buy sweets to which essential money goes. Reward yourself with something delicious only once a week, if before that, all the rules of the new life were strictly observed. The first month can pass in the fight against old habits, then it will be easier.

Start savings. During the crisis, difficulties are not associated with a total amount of debt, but with the lack of a small amount of money, which suddenly needed. There will always have to plug out some holes, so you need to have savings in case of force majeure. Determine the percentage of income, which will be postponed from each receipt of money. Even if it is a small amount, one day she will save you from big trouble. In no case do not waste the accumulated funds, while the circumstances do not fit you to the wall. Savings should be done in parallel with the return of debts, and not after the debts end.

Build a bridgehead for future achievements. So that motivation did not fade and not despair did not capture the soul, it is necessary to look into the future. Imagine that income is high, there are no debts, everything is good in life. Here to this and strive. It is necessary to build not only the psychological bridgehead, but to change the current situation. Get the box or wardrobe with the 12th branches, by the number of months a year. Buy inexpensive things that use every month: toothpaste, soap, etc. Enclosing stocks into each cabinet separation. Gradually achieve the situation when a year ahead there is everything necessary for life. It will be a starting platform for you for a life jerk. You will be able to start a business, take a chance to do something new, because they built the foundation and are not afraid that tomorrow in the house will not be necessary. Some people can not afford any risk, because they are not ready for some time to live