What To Do If Your Budget is Broken

family expenses graphic

I’ve been there. After a messy expensive divorce in which I made a few costly emotional decisions, the financial implosion of 2008, a layoff, and a huge rent increase all in the same year (and I thought 2020 is bad!), I hit my financial bottom.  My bank account was perilously low, my credit cards had high balances, I had no job, and my expenses had increased dramatically.

EMERGENCY!

Family watching home burn

Are you ready for what comes next?

2020 . . . A pandemic. Fires. Earthquakes. Floods. Hurricanes and tornadoes. Social unrest. Political acrimony. Economic peril.  What else can possibly go wrong??

Everything. And anything.

As we enter September, we are only three-quarters of the way through this tumultuous year. And although the month was not originally named for so many wide-ranging and far-reaching crises, it is apropos that September is National Preparedness Month.