The tensions are high among everyone.  We are all dealing with challenges from making ends meet, health issues, stress, not enough sleep, war and narcissists.  Therefore it is very important to maintain a quality self care routine that includes sound boundaries including finances.  It's okay to be optimistic of things to change for the better while realizing there may be a huge delay before things change in a positive direction. WAYS TO COPE WITH THE CURRENT CHANGES THAT CAUSE VARIOUS DAILY LIFE CHALLENGES Focus on things that are within your control, and give the rest to GOD. Put your finances on paper, and decide what can be skimmed from the budget. Don't Delay, Do your own taxes with help at a discounted price Buy only what YOU NEED. Get Money back on things you buy already. Make or do things that you would normally pay for. (Gardening; Do your own hair; Make your own coffee; Cook more, etc. ) Make extra money from your space Be mindful of others, and don't compare your

🤑💸💰Ways to Save Money  💰💸   INCOME TAX REFUNDS Write down your plans prior to receipt of your tax refund  Pay down debts with the highest interest by allocating a portion of the return to debts that fall under this category Be sure to set up your plans on an electronic bill pay program or calendar hint; as little as $10 extra per payment will make a difference... the more the better Plan vacation- make a schedule to work on details such as, booking, travel, and ways to save by purchasing early, and utilizing saving programs like  Vacation Experiences and Affordable stays 🏡HAVE EXTRA SPACE IN YOUR HOME? 🚄 Have an extra bedroom? Garage converted into a living space? RV not currently being used? Not using a Casita or Tiny Home that would make a nice experience for a traveler or student? Consider listing the space on trusted websites,   Ways to make money on living space you are not using 📎LISTS AND MEAL PLANNING 😋 Keep a grocery list on the ref