1. Evaluate your current financial situation: The first thing to do is to know exactly where you stand. This includes reviewing all your income, expenses, debts, and savings. Once you have clarity, you can start adjusting.

2. Reduce unnecessary expenses: Prioritize your expenses by eliminating or reducing those that are not essential. Things like unused subscriptions, excessive entertainment expenses and impulse purchases can be cut back.

3. Develop a strict budget: Create a budget that you can follow. Make sure it covers your basic needs like housing, food, and transportation before anything else.

4. Increase your income: Look for ways to increase your income. This could be through additional work, freelancing, selling things you don't need or exploring talents that can be monetized.

5. Negotiate your debts: Talk to your creditors to see if you can negotiate the terms of your debt, such as reducing the interest rate or extending payment terms. Some lenders offer programs to help in times of crisis.

6. Educate your financial mind: Take advantage of free online resources to educate yourself about personal finance. Understanding how to manage money more effectively can help you avoid future crises.

7. Stay mentally strong and flexible* Financial crises are also emotional and psychological battles. Be open to adapting to new circumstances and seek emotional support from friends, family, or professionals if you need it.

Implementing these steps may not be easy, but with determination and careful planning, you can begin to improve your financial situation little by little.

Translated by: A.M