This post comes from Trent Hamm of partner blog The Simple Dollar.
No matter how careful you are, there may come a time when enough bad events happen that you simply cannot afford your bills. While you can do certain things to protect yourself from being in that situation -- building an emergency fund, practicing frugal living -- they don't really help when you have no money and a pile of bills to pay.
If you find yourself in this situation and don't know what to do, here are some practical steps you can take to get started on the road to recovery.
Don't bury yourself in guilt and shame. Everyone makes mistakes in life, and you're certainly far from the first one or the only one. I was in a desperate situation once upon a time.
Realize that there are solutions to your problems, no matter how bad the challenges are. Just because you don't immediately see the answers doesn't mean the answers aren't there. There are answers, and there is a path to a better situation.
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