Overcoming difficult situations in life can be challenging. For whatever reason, sometimes things don’t run smoothly and we can find ourselves struggling in one or many areas of our lives with no way of being able to stabilize things. Securing a good footing to be able to not only confront your issues head-on but to also take steps to rectify this can be hard, scary or overwhelming.

But that doesn’t mean we shouldn’t try. Regardless of the situation, if you want things to change, you have to set the wheels in motion to make this happen. This may not be instant but putting in as much work as you can and being proactive can help turn around situations you once thought impossible to change.

But what are the best ways of improving your life and turning a bad situation into a good one? Well, that all depends on the issue at hand but the first step is always the hardest and admitting there is an issue is the only way to begin to resolve it.

Let’s take a look at some different ways to overcome hardships and complications in your life.

Financial Worries.

In a financial climate that is seeing many people struggle to earn enough to make ends meet, it can be a fine line between managing your money and keeping on top of your commitments and not. All it takes sometimes is one unexpected bill or change in circumstances for you to lose your balance and end up in financial difficulties.

So what is the best course of action to take should you find yourself experiencing financial difficulties. First off, the worst thing you can do is to bury your head in the sand and hope it all goes away. It won’t. Dealing with creditors needn’t be a daunting task and you definitely shouldn’t shy away from this.

If you are struggling to know where to start then you can look for debt advice from credit unions, religious organizations or nonprofit agencies in your state. But it is important to know that debt that isn’t being repaid can have a serious effect on your credit rating affecting your ability to gain housing and credit in the future.

There are a few things you can do to resolve your financial worries. In the first instance, you should be communicating with any companies you are paying money to. This should include your landlord or mortgage company and utilities.

If you are unable to meet your repayments there are various options open to you to help you get back on track. These include debt consolidation loans or a home equity loan against your property (please be aware this will could cause you to lose your home if you do not keep up with repayments). A debt repayment plan or bankruptcy.

Legal Issues.

This isn’t something everyone will come up against during their lives. In fact, a lot of people will never need to contact a lawyer or attorney for the whole of their lives. However, that doesn’t mean you don’t need to know how to find a good lawyer. It is worth bearing in mind that there are many areas of the law that professionals train in, so if you have multiple issues you may not to hire more than one lawyer.

It is common for most people to hire legal professionals to help them out with things such as divorce, wills, family and child custody problems and when buying or selling real estate.

It is perfectly normal for most people to never look into this area unless the situation arises. Not everyone needs to have a lawyer on retainer, nor can they afford to. But knowing who to call and having recommendations for good lawyers before you need them can only be a good thing. Don’t you think?

Scouting out the right lawyer for you even if you never need to use them is a good idea for everyone. Collect testimonials and check out who friends and family call upon when they need legal help so you can be sure you know who to contact should you ever need to.

Injury’s and Illnesses

No one likes to get ill, whether a simple stomach bug that causes you to take a few days off work or you find yourself suffering a major illness or accident. sometimes there doesn’t feel like there is much you can do to get back on track. Even just taking a few weeks off work can set you back financially if you aren’t prepared.

But how can you prepare for the unexpected? Is there anything you can really do except for being careful and living as healthily as possible?

Good hygiene and can prevent some minor illnesses however preparing for something more serious takes a bit more effort. Things like taking out appropriate health care and critical care insurance policies that can help you out financially should you not be able to work is one way of making sure you still have an income when you need it the most.

Make sure any critical care insurance you take out covers what you need it for. Some policies can be restrictive with many different conditions before you receive a payout. So check the small print thoroughly before taking out any cover.

Having a good savings account can also provide you with a cushion until you can get back on your feet too. Being realistic about how much you need to live on should the worst happen can help you budget. Other ways to prepare can include keeping your debt level to a minimum to reduce the risk of falling behind on repayments. Also, adding small amounts of extra products to your shopping each week will help you make sure if you can’t get out to replenish items or you can’t afford to buy them, you have some to last you already at home.

Preparation is key here. Having a well thought out contingency plan can be a lifesaver for those times when life hands you lemons and you have no way of making the lemonade.

Death.

Dealing with the loss of a loved one is something no one likes to think of. Far from tempting fate, being open and having plans in place can put you on a good footing when going through what is possibly one of the worst times of your life.

Talking and making plans with family members and loved ones is a great way to start preparing for a death in the family, whether this is something you are expecting due to an illness or just forward planning in case of the unexpected. Make a plan and then have it documented legally so everyone is on the same page.

Burial or cremation? Organ donor or not? speaking about topics such as these will give everyone a better idea each other’s wishes for what they want to happen when they are no longer here. Have a will drawn up so you can confident any money or assets you leave will go to who you want to have them.

Practical things such as life insurances can mean your family is provided for in the event of a death or even arranging a prepayment plan for a funeral. This will help to ease the stress on loved ones left behind in their time of grief. Despite this not being a priority for many Americans, over 20% of people have this type of plan in place.

Natural Disasters.

Losing everything due to extreme weather conditions is something more and more Americans are becoming concerned about. Whilst these types of weather phenomenons can be completely unpredictable, that doesn’t mean you can prepare in advance to help you not only stay safer should you experience extreme weather conditions but also minimize the damage to property as much as possible.

Having emergency supplies including bottled water, flashlights and batteries is a great place to start. Spare clothes for all the family and blankets will be appreciated too as will any food with a long expiration date that can be eaten cold. Keep this in an accessible place and make sure everyone knows where it is.

Attend any government-run or charity training practices so you know what to do in an emergency. For those living in an area prone to flooding, a store of sandbanks can help protect your home, as can moving as many of your possessions to higher floors if possible. But don’t forget, items are replaceable, people aren’t. The same goes for areas that experience hurricanes and tornados. Make sure you have the equipment to hand to prepare your property as much as possible and know where to go should the alert go out to get to a safe place.

In conclusion: Even though you can never be fully prepared for a life-changing event, implementing different things in your life before the worst happens can help you out during a time when you will need help the most. Whatever that reason is.

By Erica Buteau

Change Agent. Daydream Believer. Maker. Creative. Likes love, peace and Jeeping. Dislikes winter, paper cuts and war. She/Her/Hers.

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