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The past few years after COVID-19 have been the absolute worst; everything keeps rising—petrol, daily groceries, electricity, housing—to the point where you're barely making ends meet. Just to imagine, I've been looking for an apartment for over 6 months and haven't found anything yet. Not only is there a very limited supply, but those available are either too expensive, poor, too small, or everything combined. Thus, this is creating a huge feeling of uncertainty, as time is running out and I need to get settled down. Renting outside of town in the nearby villages isn't ideal either, because petrol is way too expensive.

I'm not sure if anyone else feels the same, but this uncertainty with the increasing living costs and the ongoing rat race is causing me excessive stress. On top of that, moving out of the country doesn't seem ideal either, because most European cities are also suffering similar conditions, along with an extensive immigrant crisis (see France, Italy, Germany, and the UK). I'd be interested in remote working, but the economics field I've studied at university isn't in high demand for remote working, which often recruits IT workers and generally fields that require hands-on experience. As soon as I'm settled down, I'm considering taking up a data analysis course and finishing my master's degree in order to look for more opportunities abroad.

I don't know, but each year seems progressively worse. It wasn't that bad before COVID-19; now it's the ultimate worst I've seen, and it's about to deteriorate even further. Thankfully, this forum has been a blessing and probably the only thing giving me hope, as it has resulted in me making a decent sum of money in the process. I'm yet to start looking for a job, but salaries are relatively low, despite the increased cost of living. To make matters worse, excessive weather conditions due to climate change are happening way more often now, causing floods and wildfires and destroying everything in their path. See Libya, Greece, Italy, Spain, and many more examples.

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

Before Covid19 came, my economy was actually quite good. But I am a person who always approaches everything in life in a relaxed manner. But after Covid19 came and the Pandemic started. So I began to realize the importance of building our financial strength as strongly as possible. Making preparations before unexpected things happen is a necessary step. Previously I didn't think about it but now I started thinking about it and started doing it too. That is, currently I am trying to get out of my relaxing zone into the zone of working hard to make more money and learn more things that I have been ignoring.

But if we talk about the economic situation after the end of the Covid-19 pandemic, I also feel that the world economy is getting worse day by day. Because as you said, currently the prices of all things are increasing due to inflation caused by war and the increase in fuel prices.

But what I'm thinking right now is that no matter what, I won't be able to avoid the current situation. So I have to face it, adapt and be the best that anyone else can be.

The cost of living will always increase. So like it or not, we have to adapt and think about how we can also increase our income. If we already have a business, we must continue to work hard to make our business more advanced and not lose out to competitors. Because I think currently natural law is returning to ancient times. If previously the strong were in power, now the rich are in power. So improving the standard of living seems to be an obligation in the current era.

I hope that you too, OP, can adapt and keep fighting and never give up. Stress is a common thing that many people experience. and I hope you quickly find a place to live that suits what you want.

The impact on the economy since the world outbreak of this disease was declared a pandemic, almost everyone feels how difficult the economy is. I think almost everyone in all countries feels the hardest impact on the economy. How could it not be, everyone is required to stay at home as long as their status has not changed. In many countries, to earn daily income you have to sell in traditional markets.

With the implementation of having to stay at home, the income to meet your daily needs will not be sufficient. Maybe for one week you will still be able to survive with the savings you had saved before the pandemic. If you continue to have to stay at home for more than one month, there is no other way but to sell existing assets.

A little convenience for those whose monthly salary goes into their account because they work as government employees. I think the impact is also the same as for those who do not work as government employees because many government employees have their monthly salaries cut by banks because of the credit they take out.
For the moment I don't know what to say so that we remain optimistic in facing such an economic situation.

I do feel the same, especially after Covid-19. I feel anxious sometimes and it's normal. Tho I don't stay optimistic, I don't do that. I think of the worst thing possible and try not to be on it. To start, I think what you can try is to learn to let go of the things you can't control, like the war, natural calamities, and inflation. Try to put your energy towards the things you can control. Start with small steps, like if you have debt, prioritize paying it down, starting with those that have high-interests. Reducing your debt can reduce financial stress, you'll feel a relief. Slowly, educate yourself on how you can earn money and wisely spend it. If you find it hard to land a job, it's entirely normal. Keep refining your approach, do something that you haven't done yet.

What's important is you breakdown your big problems into smaller ones and solve it step by step. Take a breath and give yourself permission to have doubts and anxiety, then have time to work on it. Maybe ask for help. You are not  alone in this. There are people like you and there are people who cares for you I believe.

I think the situation will be the same everywhere. I also feel the same way where I live. However, I am grateful that my family and I can still eat. I live in the village and I don't worry about food as our prestige and lifestyle is simple.

It may seem that the crisis caused by Covid is serious, but if we are patient and continue to fight against it, I am sure we can rise again.

I tried from morning till night to work in a restaurant and earn extra money by selling small amounts of home-cooked food to continue living with my family. I also worked in the city as a salesperson but the cost of living, apartment and time was not worth what I was doing and I decided to return home.

Everyone goes through stress related to money after all over the past few years millions of people have faced financial difficulties due to various problems around the world, including epidemics and wars. Since life is unpredictable, a monthly budget check up is critical to improving your financial health. Set aside some time to schedule organize and cancel all payments from your bank account to regain control of your finances. The more control you have the less stressed you will be if your money worries you're probably sure that increasing your income can help you deal with financial stress and prepare a budget create an emergency fund.

Have you perhaps thought about not using your own car, but perhaps looking for an alternative in public transport (if it exists), or perhaps checking whether it would be feasible to travel to work (in the city) with an electric bicycle or an electric scooter? Their price (if you're looking for something above the average) is around 700 EUR or more, but they use very little electricity with solid autonomy in better models.


If your goal is to live exclusively in the city, then you have to accept that the cost of living anywhere in the west of the EU will be even higher than what you are paying now, but there is more than enough work, especially if you are a highly educated person.

As for the migrants, you are absolutely right, they have literally flooded all the countries that have a friendly policy towards them, but the problem is not that they take someone's job (there are plenty of jobs), but that they have become a big security problem in all the countries that you mentioned, but also in many others where there are more and more of them.


Have you thought about getting a job in the army? I know it may not be the most popular option, but the military generally takes good care of its members, and that includes housing.

Fortunately, I don't have such problems like you, but everything you mentioned certainly affects me personally, because climate change is something that I feel on my skin, considering that I am very closely connected with nature. The stories I heard 20 years ago and more have started to come true, and it seems to me more and more that we are going down a one-way street in the wrong direction.

However, the worst thing you can do to yourself is to give in to pessimism, and you should always find small things that you can enjoy, and sometimes they are even completely free. Imagine that tomorrow you go to buy a lottery ticket and they draw your numbers - a few million euros would erase all the problems you have, right? ;)

Don’t overthink! I experienced same stress before during pandemic since my job becomes temporarily close while I have a lot of fixed bills on monthly basis that need to be paid especially insurance.

I focus on my current resources and try sellings goods on social media which helps me a lot to get extra income. I live near the manufacturing area of goods which I resell it on lower price compared to retail. I will not overcome this stress if I will just overthink about the problem and stop finding solutions. Check what resources you have and capitalize on that to get extra profit that will cover your expenses.

The effect of COVID-19 across the globe has really done damage to a lot of countries.
A lot of person's are still yet to recover financially, while some countries have gone into acute borrowing for the last three years, just so that they could at least keep their economy afloat.
Ordinarily for you to survive this situation is that, you have to double your hustle, by sourcing for other means to generate more income for yourself and also diversify your income. Doing so will make you a bit stable, hence you can have  enough money to beat the inflation and have some reserve for any financial emergency.

OP, one thing you should understand is that, you're not the only one caught up in this situation, but the unique thing is, you're ability to surmount these economic hurdles and come successfully at the end.

The solution is as simple as spending less than you earn, which is sometimes difficult, but you can always spend more than you think you can. Normally people focus on saving but in an inflationary environment like the one we are in it may be more difficult as the OP says, so there is the option of trying to increase income.


I hope, then, that you have at least saved a part of what you have earned here. In the next bull market you will be able to spend more and worry less.


You are the example that nowadays there are many possibilities to earn income with the internet. If you are in the OP's situation, if you put your mind to it, in the end you will find a way to earn extra income, and an example of this are also signature campaigns.

Here in my country, it's not just the price that kinda screwed me up when COVID-19 was still like widespread around here. It was also lack of access to needs due to how hassle access to the needs are due to restrictions to certain areas. I was like preparing myself mentally that I won't be able to afford such needs due to how limited suppliers also arrived here in my area.

What I did was trying to freelance so that I wouldn't have to work so much outside other than my usual 9-5 job and it went just fine in my end.
How did I stay optimistic? By not being too positive minded since it will disappoint me in the end for sure. I know I am gonna screw up anytime and whatever happens, happens. It is somehow pointless in controlling things that you cannot control. For example, there's no point for me stressing out the cost of goods these days. I can just budget my stuff, but that's all.

COVID was hell, but at least it taught us including you OP on how to get past with that.

Public transport is done by busses, which I not only find inconvenient, but also cost €1 to €2 per trip, which would ultimately cost more than using my motorcycle. I'm planning to commute by bike too, providing that I have enough space to store my two bicycles.
Other EU countries have way more expensive rents, however, the supermarkets or petrol isn't as expensive from what I've observed, or at least, at similar levels. And indeed, the issue isn't that they're taking someone else's jobs, even if that statement was true, it's not my issue since I'd supposedly look for something that requires a degree, due to my education. The main concern is that whole parts of cities have become ghettos and are suffering tremendously. Sweden used to be one of the safest countries, well, not anymore. Poland on the other hand, which I visited in 2021, doesn't have a immigrant-friendly policy, is one of the safest.

Military enlisting is mandatory for up to 9 to 12 months in Greece (unpaid), which is the reason I'm out of the job market now. I've considered it but I generally don't like the whole concept of the army. On top of that, entering isn't as good as it might look. Salaries aren't anything special nor do they provide housing etc. It only secures that you'll have a job, which for the first few years will only pay an above average wage.

I'm already careful when it comes to expenses, the issue is that having a comfortable life is way too complicated anymore. I'm not talking about being wealthy, but being able to afford going out to dinner and going on a vacation, without money being an issue.
Certainly, if things go well with Bitcoin, I'll double my money in no time. I'm expecting to have a decent sum of savings by 2025.

Staying without a job is one of the reasons I have been against courses that can allow you to survive on your own like engineering courses because business courses are very competitive and will require you to have lots of experience which many don't have today.

With time things will be okay, hang in there buddy  8)

When it comes to accommodation you have to choose houses that you can afford because it is a recurrent expenditure. Some persons make the mistake of borrowing to get a house only to struggle later to renew the rent. The only option you have is to increase your income or manage what you can afford. I had to move to another house to reduce my cost of living.

You are not alone in these terrible times. COVID-19 made things complicated and the war in Ukraine is now making things worse.  This has led to an increase in the price of fuel, electricity and some basic grains. I was considering moving to Europe but the stories I am hearing from my countrymen over there have made me reconsider. It is better to suffer only economic hardship than to combine it with racism and xenophobia. Many online jobs have been replaced with Artificial intelligence making the few available jobs very competitive.  Some of us are not technically inclined so we have to still fight for less technical jobs.

The increase of these natural disasters makes life very uncertain. The Libyan flooding gives me so much concern because it was caused by negligence and my country has some dams that have not been maintained for a long time. It will not be a surprise if such a disaster occurs.

It is natural to worry about the future but we shouldn't stress ourselves much because it will not help us. I always console myself with the fact that my condition is better than some people so am always grateful to the creator.

Housing has become a really big problem. It is now very difficult to find a place to stay and everything is very expensive. Many landlords are opportunistic. The state has tried to intervene in the renting out of houses at very high prices, but without success. Landlords set the price at which they want to rent their houses.

I am glad the forum has helped you, but you still need to find a job. Even if your income is low, you still need it. It is really hard to be a student in such an economy. But don't stress yourself. Many people are in this situation and you seem determined to do something about your goals.

I used to be like that in my "youth" and it was a good thing to be stressing about these things, at least for me. It made me learn the value of money and most importantly to plan ahead financially speaking.
You've already the first step correctly by thinking about these things but of course you have to try not to get overly anxious. Don't worry about making mistakes, after all you're at the beginning of your journey in life and even mistakes are a valuable experience.

I can't tell you what to do because the situation is different in different countries and different times. But I can tell you what I did.
I basically went on a very "strict financial mode" where I wrote down all my little expenses and little incomes. I worked hard and earned as much money as I could then made wise investments while controlling my expenses. That helped me maximize the amount of money I saved up (income, interest, passive income, profit).

I have to emphasize that writing down stuff helped a lot, as it is not enough to just be "careful about expenses". It helps a lot to be able to visualize and analyze your expenses (and incomes). For example at the end of the month you can look back and see for example you wasted money somewhere that could be avoided or better spent. I even have a little excel file that dates back 20 years 8)
Not to mention that it helps you to stay organized a lot better and if you set targets for yourself, it also helps you reach those targets and feel "optimistic" about your future as you would be going through life according to your plan or at least closes to your plan as possible.

Speaking of planning ahead and setting targets one of the things I did was to figure out what would be the biggest expense I would have in my life and in my country it is rent. For example today as an engineer if I had to rent an apartment specially in the capital, that would eat at least 50% of my salary.
Knowing that, my goal became to eliminate that cost. The solution was to buy a house so that became the plan. I eventually saved up enough money to be able to buy my first apartment. It didn't have to be a fancy one or a big one but it helped me eliminate a large expense. That's extra money in my pocket which I were able to save or invest to improve.

That's not new though. "Economic hardship" has been part and parcel of our world, even though from time to time we see a longer period of stability (eg. after 2008 disaster up until 2019-ish) which makes people forget what's happened before and what's coming (or rather repeating).
You also shouldn't expect to become wealthy in short time, as I said nothing has changed. It just takes hard work and wise decisions.

Handling it through a solution. I am always seeking ways to earn more in order to cope up with vast increase of daily needs. Well yes, government of countries should be doing their part to resolve the problem but that would take huge amount of time so I am just creating adjustments. As you’ve mentioned not only our countries are struggling but the majority. It is valid to stress with such concern ‘coz it is something being tackled on a daily basis. There are many ways to earn from this industry such as providing services or joining reward contests. We should also help ourselves with this issue ‘coz majority are highly affected by it. Choosing to stay with the problem and to blame people why such thing happened,won’t do good to us. Since such issue has been present for years, the only thing we should does to cope ip little by little”

I see you very honestly and as you are. the first thing "Thankfully, this forum has been a blessing and probably the only thing giving me hope" and this was born by itself from what you have felt. I'm very inspired.

Well, I think it's normal if your condition is like that. A place to live is the main thing that will provide a sense of privacy, especially in completing your study assignments and resting your body when you are tired. My advice is to try looking for one that is a little further away from urban areas. I'm sure there will be a difference in price and definitely look for an environment that is friendly and suits your lifestyle.

Just remember this. When you are stressed, that just means that you are focusing too much on the things you cannot control. So if you want to get back in the right track again out of your adversities, you just simply need to feel that you are in control of you own finances and your own whole life. So take a pause in your life. Remind yourself that you are the only person responsible.

There's two things you can do. Minimize your expenses or maximize your income. Along with that you have to payoff your debts and start saving so that you have something to invest later in your career and life. Anything outside of your control are just distractions.

I'm sorry you're struggling with housing, I know it's a big problem in some countries. In my country, it's very simple to find accommodation because I think there's more of it than people around, so at least that's not a major stress factor, although a lot of other things that you've mentioned plus some additional ones are. Economically speaking, my country has certainly been deteriorating for almost a decade, but I've been going against the flow, feeling kind of stable although not great financially.
Since you're asking how I'm staying optimistic, I guess I should mention my circumstances, which is living in the capital of Ukraine during, you know, the war. I'm trying to balance out the big problems with small pleasures like appreciating time with loved ones, enjoying the weather when it's nice, allowing a bit of unnecessary spending on eating something fancy, etc. I've stopped making long-term plans, and I'm trying to overall do what I like to do, as long as it's enough to pay the bills, without putting pressure onto myself to earn more, work more etc. Maybe lowering your own expectations of what your life should be like and focusing on the upsides can help you as well.

Since covid19, the world has not been affected economically, but we see great disaster because of the war between Russia and Ukraine. Due to the increasing economic recession in the world, people are now desperate to meet their basic needs. No new jobs are being created anywhere, rather jobs are being lost due to the crisis. They are worried about how they will survive in the coming days. As the new year approaches, there is also an increase the pressure of the citizens of every country. It is very difficult to get rid of this until the world leaders consider this situation and take the decision to stop the war.

It can come down to your career prospects ultimately and even a vastly expensive university education might not even offset that if you end up getting worthless degrees. For many people it will only be into their late 20's or 30's before they actually get a solid grip on their finances, enough that it is possible to think about buying a property. At that point you really need to have at a minimum a basic "emergency fund" which will be your fall back for any unexpected bills that pop up, whether car problems or replacing appliances that break. That can greatly help to bridge the gap, because the alternative for many people will be going into debt and that can make it so much harder to progress in life.

I can afford a more expensive house, the issue is that I'd prefer not to spend a large portion of my salary just to accomondate myself. You can never predict what may happen in a year or two. I wouldn't want to get stuck in a house I may not be able to afford in case something happens and I'm out of work, or is simply becoming a financial burden in the long-run.

The governments haven't taken the necessary precautions to minimize the effects of such phenomeno, however, the root of this issue is that as the years progress, we're going to face a lot extreme weather conditions more often than we're used to.
This is actually some great advice and it's confident to know that there are others who share a similar mindset to mine. Yes, I tend to worry quite a lot, but it's because I want to be a responsible adult with a settled life, and want things done in a proper way. I know plenty of other students from my university that are still jobless, living with their parents and literally not worrying about their life, this isn't something I'd ever want.

Although I'm relatively careful with my money, writing down my expenses would allow me to scroll through the end of the month and see were I spent money that I could have avoided. Now that I've mentioned it, I could probably have avoided making that order from Temu, or buying something just because it was on sale. Writing down is the key to keep track of everything, whether it's money or a reminder.

That's easier said than done. When prices of basic necessities are already way above the average price pre-covid and our salary isn't also increasing, we really need to do something like turning off the heater just to minimize the bills. When going out just to buy something, I just use my bike.

Easy for a person with no mouths to feed actually but if you are a family man with responsibilities, you are really going to sacrifice stuff that you used to have. No beers and sodas but water. I have a neighbor that I regularly check because as of now I look after one of his kids sometimes, he cooks food and this food is what they eat for the rest of the day from morning til evening. Thats how tight the budget is.

The real estate market is highly inflated and most likely to bubble in the near future which will bring down the costs of rent but it may not act as a solution for your condition as of now, you need to compromise comfort and just get into where you can afford and also find the job as soon as possible to survive. If its still out of hand then just sell any asset you have to ease of the stress.

Changing the career path is not easy either so you may need to work hard as well and act smart to grasp the opportunity, for now, you can look for jobs in which you can side with your primary job and this is the internet era you can make money just if you have smartphone and internet and of course, saying is easier than doing it but just to remind you that you can go through the hard days too.

Hi Dear OP

Hope you doing well. i was reading your post and come to realise that this financial stress relates to many people this time it is also due to lack of knowledge because many of  the people don't know how actually they can generate alot of revenue while staying at home.

In the past some month i was also thinking to leave the home country due to the increasing in inflation rates but i can feel that nobody wants to leave their motherland. Motherland is loving place where we all grew up at To be very honest only think of living homeland feels to hard. So, i thought to share some of my experience through which you can also have benefits. I'm actually the student of BsCs and my degree is about to end it is my final year....

Along with studies i'm doing multi-remote works like Drop-shipping, content writing, cryptocurrency, and affiliate marketing as well at the same time to overcome my financial crises. So, dear OP we need to educate our-self to be more stable in future. we can't deny this fact like inflation rate getting worse day by day even in my country inflation rate has been increased after Covid-19 Pandemic. in Conclusion i would say this is the time we need to stay more smart to overcome our financial crises by doing multi-works. it is only possible when we educate our-self accordingly to cover our future expenses.

Kind Regards

Snowpega :-X   

Probably most or all of the countries are already experiencing this due to inflation, I mean it's already a big problem all over the globe, even in my country inflation is really difficult to fight especially if you just have a minimum wage earning you can't really survive or at least have a good enough lifestyle that you really wanted. Personally, I'm doing okay since I already found a good job, compared to my last shity job where I didn't do most of the work for 10 people probably, my new job is a great one it wasn't really paying a huge amount but its already okay to survive and the good thing is has a good schedule, there are only 4 on-site and 1 work from home and weekends are free. At this point, I wasn't really a very experienced worker so I wasn't able to demand a very high salary but at this schedule, I was able to find a side hustle that could help me with my spending, usually, I used all of my side hustle salaries just for investment and then my main job salary was used for everything that I needed.

In my experience I think the main trick here is having the knowledge and the correct mindset, when I got conscious of my money and started to document every I was able to manage my finances easily, I learned a lot from a podcast on how can I manage my finance one of the trick is to always take note of your spending and income. Sometimes we just dont know where our salary goes since it easily disappears, it is because we dont document and record everything. The moment I do it I easily avoid having that feeling. Also just do not buy anything that you cant really afford, I think this is just the one that really is good advice when it comes to financial, most of people just buy anything since they have a credit card or something not realizing that they cant really afford it.

Everyone of us experience financial stress at some point, and what you are feeling is really valid. The pandemic had really affected us in terms of finances and our mental health.
And sometimes, it's hard to be optimistic in situations like this and there is nothing wrong if you feel bad about it. I think the first step is to acknowledge that there is a problem, because covering it with false optimism would not really help you fix things out. Because the moment you recognized that there is a problem, you will notice that certain measures should be done in order to solve your problem.


On times where I am stressing about things, the only thing that keeps me optimistic is my support system. I think the best way to deal with stress is to surround yourself with supportive and positive people. Because these people are your emotional support during your difficult times. Lastly, take your time, and do what needs to be done, and everything will fall into places.

COVID 19 has shaken the whole world. It has affected the whole world.  Especially in developing countries the impact has been more.  The unbridled increase in commodity prices has endangered the way of life.  Unbridled prices of everything, the value of money has decreased in many countries, some countries have gone bankrupt.  Nothing can be worse than a financial crisis.  Your entire family depends on you but what can be more painful than you failing to give them a proper life.  Still have to live. Fight with life and survive in this race.  Moreover, there is a forum!  By gaining proper knowledge about the forum you can move forward.  You can benefit by acquiring proper knowledge about investing, trading.

Remaining optimistic in a financially depressed situation is very difficult to do, you are right to cover it up with false optimism will not make the problems we face go away just like that we need to solve them. Everyone has experienced financial stress but they have different ways of solving it. I prefer to keep doing any job to be able to generate income to meet my needs rather than not doing any work and not getting an income.


Yes, you are right, if we experience stress in any case, we really need to get together with people like you mentioned there are indeed some people who are able to solve their problems without needing help from other people, but it will be very easy to solve the problem if we have people closest to us who can listen to the problems we face, of course they will provide input for us to solve these problems.

The Corona crisis has contributed to the further deterioration of the financial conditions of low-income people, most of whom failed to find alternatives to meet their basic needs. That stage taught us that it is very important to diversify sources of income, whether for the purpose of saving or securing financial surpluses. Relying on a fixed source of income is not enough to achieve financial balance for any individual, let alone when you do not have a source of income at all.
This situation did not only include individuals, but also many companies in different sectors, as well as countries that found themselves in a state of complete helplessness, especially when talk began about acquiring vaccines.

I stay pessimistic and try to adjust my financial portfolio to reflect the worst case scenario. In the modern era, although quality of life has increased, I don't remain optimistic about how things are doing. Within the last two decades alone we've seen two major financial meltdowns in 2008 and in 2020 which were both government induced. The cost of living increases are also mostly government induced as well with central bank policies and COVID related money printing.

My advice to you is finish up your masters degree in a field that's high demand and obtain marketable skillsets even beyond what your degree holds to make yourself as attractive as possible in the job markets. Then, maximize your savings potential and begin investing ASAP to create a retirement fund that will be there for you when you retire.

I know what you feel but fortunately, I guess that I am in a better situation since I don't rent. But I know how it really goes when you know your expenses and you're keeping up with what's happening with the world.

Everything has gone up in prices and that's giving us headache every end of the month. With your degree and what you've noticed, you can also learn IT skills if you want to.

There are free materials from different companies like, Amazon for its AWS, Microsoft, Google, Cisco, etc.

Things are going to be fine soon, let's just keep on doing what we typically are doing that are helping us to survive.

I think it's normal to be under some stress, because after stress comes relief once you find the solution. I know it's hard to find a solution but at last, everyone found a solution because that's what life is for and what it has to test us.

Life is not easy, we are all being tested out here, I as a Muslim have a firm belief that this world is not for the ones who have faith. For them this world is a cage. And that belief has made me think that if I am being tested to my limits then Allah has made me that way because in the Quran Allah has said I only put that pressure or weight on a person which he can bear. If I am being tested out with stress due to some weight then Allah has made me that way so that I can bear it.

You might not be a believer of Allah but still, for you my answer is, that we should take life as a hardship battle where we have to make efforts we also know the world is evolving population is increasing, there are fewer fields, fewer places to keep shelter in to make home at. People in many countries are living in cages like homes consisting of only one room.

I will add that it is important to have several income streams, this idea of working for decades on the same industry is not true anymore, and with the introduction of AI this is going to get even worse, so not only you need to have some savings in the case you lost your job, you also need to have another way to generate income, as depending where you live it could be incredibly difficult to find a job quick enough to not jeopardize your finances.

Stress is an ordeal that makes a person move.  If there were no stress, man would not develop, would not overcome himself. Everything would be frozen in place. Therefore, stress is a necessary evil that forces man to find solutions in a very limited time. The right decisions lead to rapid progress

There is a saying that a hard time makes a strong man. There was a time in my region when my father and grandfather were living their days with one or two meals. They had to work day and night for that and sometimes their children went to sleep without a full meal for a whole day. This situation made them strong and adaptable to different situations. In todays kid they won't survive that kind of scenario that our father and grandfather survived.

Our father doesn't want to feel the hardship that they leave behind and we become weeks in metal and physically. Kids should learn how to survive a sinking boat.

Being anxious is something that's not easy to deal with. I too have an anxiety where in fact it should be easy to deal with. There are people who don't understand what being in that state is and will just say, "come on dude", like it's just a simple thing to overcome.

But are we going to just allow ourselves to be eaten alive by our anxiety? Even with how hard and tough it is, there is no choice but to make something out of it and don't let it be our distraction as if we allow that, we can't think of a better way on how to deal with our problem.

How to stay optimistic? I'm just looking at my kid and that gives me strength.

And will ask a question, how can I able to guide him while growing up if I allow myself to be trapped in my anxiety?

I am sure that everyone else feels the same thing as what you're anxiety about.

Positive thoughts but at the same time doing some actions. If you're seeing the market and opportunity for your chosen path is very limited, you need to stretch it out and try new things for yourself. Change is constant and learning is a continuous process that anyone will agree with. But cheer up, I think the best thing for you to do is to start with yourself like in your mindset. I know it's hard to avoid negative thoughts just as what you're experiencing because it's pretty normal. But don't dwell on that and start thinking something positive and you'll get up again and will be able to get back on track just as pre-covid situation of yours. All of these trials that you're experiencing now will make you a better person and soon when you're able to find better opportunities and be on a better shape because of your optimism and strong willed thinking, you're just going to cry how much you've been through but regardless of that, you've overcome all of it and thanks to all the people that are believing you and for the people as the reason why you're working hard for. *Cyber pat on your back.

It's one of the things that you really couldn't get away from in my opinion. Try as you might to sweep this one under the rug, it will all be futile cause at the end of the day, you're spending money and you need money for daily sustenance.

If you're living well off, or at least sufficiently earning for yourself with some savings on the side, I suggest you look into a little R&R (rest and relaxation) every now and again. Go to the beach, take your family out to dinner, play sports with friends, do anything that will take the pressure and stress of living in the modern world, and you're sure to be able to deal with the stress brought by the cost of living expenses nowadays.

If you're someone who's not in the position to spend money that willy-nilly, look into other hobbies or interest. Work out, read, distract yourself and arm yourself one way or another. If you let the thoughts brew inside your brain you'd be paralyzed. Do something.

It is stressful really if we think about it every day but what I did is to keep looking for an opportunity that would increase my income because this is the only way it help me to survive.
 - in this time when inflation is really at its worst, time to learn how to make a budget wisely because even if we have a huge salary, it won't be enough if we never use it wisely. It is quite a challenge indeed, especially if you only have a single source of income that is why we should adapt to the situation that we need to limit our expenses in order to give room for an opportunity to invest or start a small business.

Best choice is make use of each and every opportunity. Rather than looking for the result, try to get adopted to the scenario with what you have. Over time slowly things will change based on the way you move forward. It is true, after COVID majority of the people in the lower middle class had suffered a lot compared to the rich and the poor. Rich have got the sufficient money and somehow they'll manage, and the poor have the mentality to live with what is available. The middle class suffer as they're in a situation whether to be poor or rich. Don't stress yourself, move on and the result awaits.

I believe everyone experienced the high cost of living nowadays. It is getting harder and harder to meet our basic needs due to inflations of prices of commodities.  I deal with this kind of problem by looking for another source of income, buying only what is necessary, and preventing myself from indulging in luxurious activities.  I also make sure that although I am making plans ahead, I only focus on the day activities since tomorrow is a different thing to tackle.  I do this to not to pile up the stress and frustration by simply isolating the day experiences and facing it with a renewed strenth and endeavors each day.

The stress was the common fact now,because we are in the environment with multiple stress to the same person.If the person mother get sudden health problem due to old age,the son will totally helpless.He should work for the additional income to manage their mother medical expenses.The person should not start to take more loan for the medical expenses,because if your mother had two or three son.Then you can balance the money for your mother medical expenses.But if you are the only son of your mother,you need take care of both medical and home expenses.

That's a huge problem even for myself. If I am in your situation I am also very stressed but the only thing I can say is to not look at the bad sides,l as you've seen a lot, ll and understand them because they will not always do good for you.
Ive been in a financial problem since my first job and just recently I overcame it by having a higher-paying job than my previous one and having a gratitude mindset. I read some posts on social media. Instead of looking at the situation as bad always look for the good and be thankful for it. This is like if your salary comes but 80% of it is to be paid in bills what I would think is that I am thankful that I was able to pay it because others for sure are still finding money to pay their bills. Just always think positively, no matter what.
 

It is true that there is complaining or that the prices of products have begun to rise, but the nature of the people and individual actions will determine the degree of your tolerance. We have a prevailing culture in society of the importance of saving, so you will rarely find a person whose income = expenditure, but we save, and saving over the past years has made the impact of the shock much less than in many cases. Among the countries in which the citizen benefits from debts to provide luxury, the interest on these debts began to rise, and thus the money available to many became less.
Spending priorities may vary depending on the country, but the more skills you develop and start saving early, the less the impact of these crises will be.

A lot of people are facing this financial stress in various countries, and some don't know what to do at this moment to overcome the situation so that they will not loose their precious life because government has done their best to stop the inflation but the inflation is still increasing daily. Since you are a graduate and you are mature to step out from your house to look for what will be keeping you busy through out the day, and the end you will receive a payment from your service you render through out the week or month, I think it will help you to deal with financial stress in your environment. You can use the money you are making from signature campaign to establish a business that will eliminate financial stress from your life because I have seen many Hiro members who rise from nobody to somebody in this community because they dedicated their time for Bitcointalk platform.

Well you're doing pretty good. Because we should continue to move forward and continue to look for opportunities. And once an opportunity comes, we have to make the most of it and never waste it. Work harder and when we get good results. So the next step must be to make good financial arrangements. Because it is true that without good financial management, any amount of money will run out quickly and may not help our finances in the future.

The case you are experiencing is very different from our situation where we are not required to serve in the military because the country where I live does not enforce this rule. Usually I tend to spend a limited amount of money according to my needs to fulfill my basic daily needs. Anxiety certainly arises amidst the uncertain economic turmoil that has occurred in recent years because many people have difficulty getting money to spend on their daily needs. The difficulty of finding work has an impact on the fulfillment of life and also conditions due to recession and increasing inflation.

I try to live frugally in conditions like this and spend money according to my needs, because forcing to spend money in inappropriate categories will actually worsen economic conditions. Increasing income is a solution that must be done by adjusting whatever work can be done and if our income is stable then the problem will be resolved slowly even though we cannot solve everything quickly.

To be honest, it is quite difficult to remain optimistic about the current situation in the world. All prices have grown very much, as you correctly wrote. I have an application where I record all expenses and when I compare expenses with last year's I am horrified. Salaries in the country have not changed at all. And what is most interesting is that there is a feeling that this is not the end yet and the price increases will continue on and on.

Now we all need to be able to take care of things, stop eating delicacies, make unnecessary purchases, you need to look for additional sources of income.

Unfortunately, I was in a very bad financial situation during and after the pandemic. My investments were constantly losing serious value and these investments which I was trying to save with my savings were becoming more and more worthless. Unfortunately, because the process went so badly I left my own country and settled in a different country in order to earn more money. Moreover, in order to achieve this I had to do a job that I had no interest in and that I now hate. As a result I couldn't make much progress due to the increasing cost of living and the salary here not being enough to live.

In summary, due to the economic conditions that are getting worse day by day, unfortunately I can't manage my financial stress successfully and I am failing from this... Now I just want to do my job to save the day and take my collapsed financial freedom to a better point with potential extra income opportunities.

The root of the basic difficulties that still often arise in society is in the sector where it is difficult to find work, which causes many people to have difficulty earning money. And the result that they feel is the instability of the community in meeting their own living needs until now, so I think the government must act and find a solution to be able to handle this so that unemployment can be reduced a little gradually. Because in my country people are not required to become military or anything like civil servants.

The solution does exist, but not everyone can implement the existing solution. For example, the solution you said is that everyone must be able to increase their income or income in their lives so that every problem can be more easily faced and resolved. However, the facts that are visible now are that not everyone is able to do this consistently because they are still limited by several things such as skills to work and basic capital to be able to carry out a job. Because skills in one job cannot be used for other jobs, so someone can have more than one job.

I’m also in the same shoes with you. Life after covid is too hard to sustain seeing all the goods and food prices have been surging high. Maintaining a single job is not advisable anymore. Most especially if you are a family man, you will really get a lot of stress thinking of ways on how to stay optimistic and manage to pay all your bills. Luckily I am a member of this forum that’s why I get to participate a signature campaign that pays well. But still it’s not enough. That’s why I need to find a potential investment aside from crypto so that if things get worst, at least I can still rely on my business to provide for my family.

I experienced things like you did. Indeed, it was difficult, especially since I was still with my big family and struggling to survive Covid-19. It cannot be denied Covid-19 is a blow to everyone. No one knows how many people in total have suffered from Covid-19.

And that makes people stressed, facing day after day fighting Covid-19. It is normal for us to feel stress at times like this and even now, when our economic condition has not really recovered and, we still have much to do to survive. I feel the stress and often wonder how I can solve it. But I didn't stop trying and praying because that's what my religion taught me when I could barely survive.

And somehow, I don't know either, but I can slowly survive even though it's very difficult. Looking for work is still ongoing but difficult because competition is very tight. And you can only keep trying without ever giving up.

Actually, I am always in a financial stress, but the stress level is always on different level. Even though I have saved money in bank account and hold crypto. I think I always feel uncomfortable, when when my monthly expenses are higher than monthly salary. Even though my bank account was always a positive number, and it was never a zero, when I moved from parents I was always stressed with tomorrows day. I find myself thinking about if something bad happens, will I have enough money to solve that. And right now, when I am a head of my own family already, the feeling of financial stress is even bigger.

Financial stress is something that individuals all over the world experience, therefore you are not the only one in a circumstance like yours. from fundamental necessities and more. Nearly everyone in our nation has grown and is still growing, particularly in light of the impending Christmas season in the month of December.

The majority of people in this day and age still struggle to survive, despite the challenges we face, and we find creative ways to generate additional revenue because having just one source of income is insufficient. Because the pandemic has just finished and every nation's economy is recovering, we are in this era.

Such an example will determine how responsible you are and how you will be managed to work with such stress, not just a financial thing but also emotional as you are trying to survive your mother's health while taking care of finances.

Most of the time, people will go further than he will value the medical condition of his mother and take all
the risk of loaning money just to survive, common reaction if you value the worth or your love one, not just
for the mother, though, but for someone that you value as well.

simple. one does not have to be rich if it is painful to pursue. Learn to be patient and be grateful for what you have. I think inflation is inevitable. the value of the currency continues to fall. I'm sure even we ourselves can only deal with it. Therefore, I just need to learn to accept without chasing wealth. I don't want fomo because someone scared me with cruel inflation.

Inflation is there until we grow old and dead. Everyone wants to be rich and now it's making more sense why we're all dreaming of that someday.
And that for us to have no problems with financial matters and we can sleep well at night without overthinking of how is going to be tomorrow.
A move that change a lifetime, maybe going with another career while saving for a masters or learning new skill is hard. But that's it, you need to endure and do something for that change.

@OP I feel you, most people in my country also have similar problem, some of them even worse because their family or people close to them are toxic.

To be honest it's really complicated and there's no other way except working more harder or go to other country that pay better.

Taking a master's degree is really expensive, it's true you can take a scholarship program, but you need to meet the high requirements and terms.

I am established. I am middle class. I have fairly good income. I also make some money mining.

But my expenses have really gone up the last 18 months. Along with my mining profits dropping.

What to do?

Change some food habits to save money.
Find a bit more work to make more money.

I am lucky that my wife and I like each other so more time in bedroom for free entertainment is something we can do.

As I said in my previous comment, in the end it is a simple sum of expenditure and income. If prices go up you either spend less or you have to earn more to maintain the same standard of living. I see for example that after many years you have joined a paid signature campaign, congratulations to you and to us who see you more in other parts of the forum sharing your wisdom. With the total number of posts you have written, your manager is quite happy to have hired you as well (https://bitcointalk.org/index.php?topic=5419242.msg62821484#msg62821484), for SEO reasons I understand. Now I see it was
 to counteract the drop in mining profits and the rise in prices.

Well I think that houses are all over the place except the environment that you want it and the price for it may be the reason you have not seen the type you want for your financial level. Houses have different nature and capacity depending on the compactment you are looking for because you can't compare the price of a two bed in a water logged area and in an area well designed or estate where all roads leading to it are well constructed. In essense, you have to know how deep your pocket is if you want something more cossy but I'm sure houses are not difficult to locate if you have the finance.

When COVID strikes the world I started thinking about my future even more, I used to be care free but later I started to feel worried about my family, some people died because they don't have the money to go for a doctor, many people lost their lives at that period of time, it was a disaster.

It get to the point where I started fo feel like it's the end of humanity, because if God was tired of use he would have used COVID to erase every human from the Earth, I finally concluded that this life is nothing, we came empty-handed, we will leave empty handed, I braved up and decide to work even harder and not think too much about the future.

I do trading and I mine Bitcoin too, so I am making a good amount of money, I don't want to expose myself to more businesses because I won't be able to handle it, instead, I plan to add more Bitcoin miners to my farm soon, though profit wise is down since we are still in a bear market.

If I have to wait till mining profit gets higher it will be too late to buy new asic miners as the price per miner won't be the same anymore.

i guess, we do have a lot of realisations when pandemic hit the humanity. what really matters to us? how we survive in this today's world will give us an upper hand what to do next. and how to be financially free so as not to worry if you can survive if another crisis will hit us. we also become more aware of our spending habits. and i guess, a lot of people become frugal during those challenging times (pandemic days). at least, we have learned our lessons and hopefully taught us valuable points to live in this life and to live meaningfully.

The thing is one way or another the stress of not being financially capable is going to catch up to you. The only real thing you can do about this is give yourself a breather every once in a while, congratulate and reward yourself with a whole day or week of not minding your financial woes, just like what a couple of people in here have said. It's also important that during these times of recuperation when your mind is at the most clearest state it can be, you'd have to actually formulate plans and find the root cause of your money problems, you should be able to pinpoint it by then, and create a plan that would solve this issue for good so you don't have to stress yourself over money anymore.

The reality is finding your perfect ideal apartment is harder to get compared on what majority of us are thinking. There are also other people who are thinking to stay at the same apartment that you are thinking, you are lucky if you get your ideal apartment at the rent fee that you are willing to pay. Real estate are becoming expensive day by day especially today that we have a global inflation. It's either you will pay for the rent amount asked or just accept the inconvenience of not getting what you want.

The demand is also another factor on why you can't get your ideal apartment, living downtown with a lot of traffic has always a good thing on real estate owners since the demand is always there, even if they put above market renting price, there will still be people who want to stay in it.

Paying respect for you bro. Pandemic is really a mind changing event of our life, that was a very historic moment for everyone of us, we all thought that was the beginning of a chaotic world but it is not. Then the vaccine arrive after a year, some of us are skeptical but I urge my family to have it. Then self realizations came in, if we all survive that Pandemic where millions of people have died then there's no reason to be weak in life, work harder than before, work smarter than anyone, always think about the future.

We always have the same experience, I trade too during the pandemic, make a couple of money and I can survive the whole week, and just repeated it myself.

Yeah, taking a break from work and spending quality time with the family will help a lot. Just keep yourself reminded that there are people who are having worse than this. So if they can, why not me?

Life goes ups and down. We all had to struggle financially for a time in our lives. This makes us strong mentally and gives us the courage to overcome every hardship in our lives.

Op I don't think it was the Covid 19 that caused the cost of living and the inflation in the world but it is the government policies that are causing all these things cost. Because of government policies, many businesses have fold up and Small Enterprises have reduced very well in the retail world of business. in 2019 I was renting an apartment with $60 in the university town but today that the same apartment that I was renting with that amount is now $300 - $400, and I was amazed when I went to the university town to looked for an apartment for my younger brother to start school.

Another thing I will like to talk about is the going out to look for Greener Pasture out the the country, though it has helped many youths to make in life but not all have that favour. Personally I don't advise people to go out most in this period where everything is skyrocketing in price. The governments are not planning good for the people and that is why everything is getting worst every year.

Life is a hope and we never know for sure what will happen to us in the years to come. However, because there is hope and noble ideals and this has become a goal in my life to be able to continue to be optimistic and dream as high as possible so that when I fall, I will fall among the sparkling stars. In fact, I am so optimistic and confident that I will still be alive tomorrow that I continue to set an alarm to wake me up every morning. Finances are not one of the causes for us to behave pessimistically, but starting from these shortcomings is what allows us to have more spirit in order to gain financial freedom. And I consider that financial freedom is just a reward from the knowledge and learning we gain and from the efforts we make to complete all the existing problems in life.

Simple problems do come up with simple solutions but well those are just only on words or something that you could say but it would really be that so hard to integrate or make it happen
specially in  talk about that making more work to make more money. What if you do have that only skill on which you could really be able to rely on and there's no other?
For sure you would really be finding out very challenging or would really be a tough situation for you to expand out and trying to diversify if you do have that limited skills
plus having that limited finances for you do such action.

Adjusting food consumption then it would be also a choice specially if your income isnt really that enough anymore and expenses do becomes even more higher.
We arent that dumb on not to see those differences in between months on which means that adjustment is really that needed but of course on the time that you are adjusting
then better make yourself that finding other income source.

Nope, you're not stressing it out too much, that's normal for someone who has yet to settle down and be at least in a state of being stable in general, most especially the financial aspect. I have struggling even before Covid, but what keeps me motivated is that the fact that I am still being able to bring food to the table for me and for my whole family, that includes the in-laws and the parents/elders. So, that little thing that everybody's not noticing is something that keeps your feet moving forward.

mining income is down about 60%

I picked up 800 a month doing the signature.

I altered certain eating habits less restaurant food.

Wow, the thread really blew up since the last time I opened it yesterday evening. I've read every single one of your replies, but I certainly cannot reply to everyone individually.
The truth is that there's not much to do. You can't tackle inflation and increasing costs yourself; the only thing you can do is find ways to increase your income and, at the same time, reduce your expenses by avoiding unnecessary expenditures. And honestly, the most valuable activities in life are free.
I was, honestly, the exact opposite. I had a relatively cheap house and a steady job—not the highest-paying one—but along with my partner, we earned a decent income, plus signature campaigns to save Bitcoin. I was stress-free regarding money; we'd go on trips by car and vacation once or even twice a year without worrying too much. Now things are completely different, though. These times probably came to an end.
Certainly, my mind keeps racing, and I'm not actually relaxing, even when I'm resting. I can't stop thinking of what we could have done better or what we're going to do in this dire situation of not being able to find proper accommodations. My personal items are scattered along two houses and in my car because I've got nowhere to put them. Not only is this situation frustrating, but it also causes angry outbursts from time to time. It's causing a spiral of bad moods and depression.
The military was the icing on the cake. I spent a year not earning money, and now I've returned to absolute zero. No income, no house. I'm only left with an enormous burden and stress. I'm generally an anxious person and an overthinker, and my mind just doesn't shut down anymore. I keep endlessly thinking, to no avail.

Inflation in my country really makes the difficulty in earning money increasing, my family and I feel that too, but we remain optimistic because the days spent with an optimistic attitude will have a positive impact on what I will do and get.


Believe it or not, it is often the family that hinders us from developing financially, but not all, only the toxic ones, that's why some people decide to migrate to another city or country that has better pay, even though it's not easy, moving is something which is worth trying when you think it's impossible to stay in your place longer.


Nowadays education is no longer the main determinant of someone's success, there are many who don't have higher education but they are successful in their lives, it comes back to their own decisions but struggling in education is something that must be tried.

If you get used to worst, you don't see it as worst but start seeing it as normal and it gets dealt with, automatically. You don't need to be optimistic, but to make it a habit. See there are two choices, one is to keep going with our ongoing life and other is to make a choice to change it for your better. But yes, it is also true that opportunities have vanished after Covid killed many lead members of families who were the breadwinners for them and made people totally helpless. Some who are still alive, get to hear from their families for not doing anything but our relatives never understand that there is an opportunity crisis going on in this world and we need to deal with it because inflation is the only thing increasing quietly and poverty has taken place at the homes of many middle class who were living a normal life before Covid.

Well I am living in Türkiye and under extreme inflation. We still survive in this atmosphere mainly because families here help their kids a lot. I got help from family, not shy about it because they know how bad it is and how wages melt under extreme inflation. I also find another way to protect my wealth. Funds really helped me. Professional investors are using money wisely to be honest. I am bit worried with stock markets as can't detect time to short or long. Funds are better.

When you reach a certain age (not old, just over 30 is enough) you realize that stress doesn't solve your financial woes and you need to instead pivot the way your finances work. For example I was the type of guy who did not spend money on anything at all, literally nothing, and then I realized that never got me anywhere and didn't really helped me, so now I am on the "grow with debt" type of guy which many smart financial people suggest, and that works better in the end. So you need to look at what you are doing, doesn't have to be similar to mine, just look what caused your stress, and then try to figure out how you can pivot to make it better. It could be reverse of mine, who knows what yours is, as long as you find the root of the problem and a solution, they can be anything, because you test them and see the results and repeat until you find one that works for you.

Don't you have emergency funds to start with OP? Many have already said that we need emergency funds so that we are prepared at least if things like this happens.

I don't know which country are you living OP, but living in the province really helps as to living in a city. Expenses are way lower. If your concern is food, you can just plant crops that will give you fruits, and vegetable after few weeks or months. As for proper housing, don't you have any relatives where you can try, and live there temporarily while you are finding a proper house where you can live with.

As for what you're feeling right now compare to what I felt when COVID19 started until now, I didn't felt any financial stress TBH. Not bragging, but ever since, I already have emergency funds where I can get some money if things get worse like what happened. I'm also living in a province where food isn't that expensive to buy because we have vegetables in our backyard. As for housing, we are living in a family house currently. I just hope that you OP will stay optimistic when hardship comes like the pandemic.

Always take note that there's no problem that can't be solved. All problems have solution. Always find a way. If you need to change something like your lifestyle, do it. If you need to do something that you aren't doing in the past, but you need to do to survive, do it. If you need to plant just to lessen your expenses in food, do it. If you need to transfer to another area just to lessen your expenses, do it. If you need to find another job that's outside of your profession, do it. I know it's easy for me to say this, but I also did felt the same back when there isn't any COVID19 yet, but to cut the story, I solved it.

I can relate to what you have been going through. There are times I felt tired of everything and thinking of what else to do in order to cope up on these trials that i'm facing financially (and in general). But there's no other option but to work hard and strive because nothing will happen if you just sit there and wait. Hence, I don't want to keep thinking negative thoughts and just keeping myself busy at work, in managing my business and doing extra task here as side hustle.

In addition, I started taking up a 2 year office management course through online class. This is my alternative to improve my knowledge and land to a better job in the future. Of course nothing is certain but while I still have time, I think it's not late to have this achievement.

Wow no salary for a year.

I spent 5 years in the service. 1978 to 1983. US Navy. They paid not much but they paid.

So from what you say you are still young. Maybe 🤔 find a roommate making the apartment expense less.

When we don't work, there is no income that we can have, which will affect our daily life processes. People now have difficulty finding work and after the impact of the recession that hit, it has become increasingly difficult for people to meet their living needs. The government also encourages several MSME sectors to use domestic products, but people's purchasing power is low because they do not have a level of financial stability, which means these home businesses do not run well. There must be improvements to get to this stage of difficulty and the government and individual members of society must also encourage themselves to come out to find solutions to this problem.

This is a weakness for everyone who does not have skills at work and usually people like this rely more on energy at work. Strengthening human resources and skills training is very important in conditions like this because if training is carried out when problems have already arisen it will be difficult and inappropriate because it will be too late. What the government needs to do is train the human resources of young workers, so that they are ready to live life and if this is not done now, if they are faced with the same problems, society will have difficulty getting out of these problems.

Your solution may be exhausting but this is a really good initiative because you will forget or not have time to think about it. This is better because there are others who have plenty of time who tend to be on one side and overthink things and that will lead to suicidal thoughts which we shouldn't think of.

It is really best to keep yourself busy no matter if it is work or a hobby like sports. Just keep yourself busy and do productive things so that you can easily move on from your problem and forget that it is already solved because you are very productive.

The experiences I've had so far may never have reached the level you're currently experiencing. Perhaps my perspective wouldn't be rational, as I haven't gone through it myself.

Alright, if I were in your position now, the first thing I'd do is prioritize food. Nutritious food is the best support for humans to keep striving for survival. Yes, we don't need to think about an apartment first because if we're healthy, we can search for one every day.

Housing issues in my country aren't too difficult for emergency use. I could live in a simple shelter at a very low cost. You wouldn't even believe that here, with $35, you could sleep on a bed for 30 days. Of course, it wouldn't be luxurious accommodations.

The next step would be to seek better or additional sources of income. Whether it requires working full-time, as long as the earnings can provide more money, it's not an issue. It's better than enduring a life of poverty and hardship.

Focus on economic and financial growth to lead a better life and avoid stagnation.

What has been difficult for me to face for the past few months is how to deal with prices which have risen quite alarmingly, it seems that the increase is normal but the increase in income is sometimes not even enough to meet all the needs that must be met.
As for where to live, I'm still luckier at the moment because I still have a permanent place to live even though it's not privately owned, but if I have to buy a house or even just rent it, I'm sure it will be increasingly difficult to meet all of life's needs.
The current state of the world is indeed quite worrying, but it's not just workers who are in business who are experiencing the same thing because that's what my friend told me, In fact, this has been happening since last year, where sales have decreased quite significantly and only increase at certain times.

You have to stay focused and find a solution for one problem at a time... and putting a roof over your head, must be your first priority. Then you shift your focus on putting something in your stomach to enable you to work.

The world can sometimes distract you from these primary goals... because people get side tracked by the things that does not matter. (Size of the house / what area they live / What car they drive... etc.)

Just start small... and work your way up to your dream house and the family that supports you.  ;)

When the corona virus became an epidemic in the world, everyone was waiting for a normal world. Corona-free normal world may have come but people are now having a lot of difficulty to live normally. One of the major problems of people is financial problems, if a person has financial problems then it is very difficult for him to live a normal life. 

After the corona virus, the prices of all the essential commodities have increased a lot, people's salaries are the same as before, but the prices of all food, fuel, oil or other commodities have doubled due to which it is now very difficult for people to live normally. In developing countries, where before taking 5 dollars equivalent money, the market is well finished, now, even taking 10 dollars money, the market is not finished, then just imagine how the current economy has reached a stage. To avoid economic crisis everyone should think of alternatives so that people can earn money in alternative ways.

The simple thing is to reduce expenses. I am sure that even if we are employees who have a position but the salary we have is large and some global economic problems will not make us fully survive. If you think more deeply, there are still people who are even less capable than us so we can be more grateful for the finances we have now.

You talk about prioritizing food - and while I agree, nutrition is vital - it's not the only crucial thing out there. Sure, in your country $35 might give you a month's shelter, but have you ever thought about the different socio-economic landscapes that exist globally? Some places, that won't even get you a meal! Forget the bed. What you consider basic, others might consider a luxury

Now, jobs. Not everyone can just "find" a better source of income. Realistically, the world isn’t overflowing with opportunities. Not everyone can just jump ship and find a better job. And while I'm all for financial growth, let's remember that stagnation sometimes isn't a choice. Sometimes it's circumstances

Well, all of us who are a community here in this forum are suffering from different levels of problems in our lives. Even if we are not the same, every problem we have always includes money, for sure. But even so, we also know that every problem has a solution; we just have to find it and work hard.

When we are in the city, let's expect that the main reason for us to stay in this place is money, but if we compare it to living in the province, it is not insignificant that even if you don't have much money, you can still live easily compared to living in the city. But no matter how serious the problem is, one must be patient and resourceful in these situations.

Before covid 19 we were able to manage house holding activities but now everything get so expensive that no body is happy and satisfied with their income. I assume that in future there be more inflation if the situations are not managed properly therefore government should initiate certain rules in order to manage these circumstances.

We know that we cannot get rid of such circumstances because we have to spend life therefore we should work our best to handle these situations. Nothing is in our hand to overcome inflation as it is spreaded in all over the country but we can make a good revenue if we utilize our strength in better earning activities.

Adaptation is necessary in each and every situation so work according to your own needs because if you set without doing anything then life will become difficult for you to live.

I am also in the same situation just like most people do. But I can honestly eat and pay my bills with ease. What is stressful is trying to think big like having significant savings for future use to buy or invest into something. I have many plans for the next few years and maybe because of it, I am a little stressed when I think about it. There is pressure to work hard and look for more ways in order to create income.

But you are right. Maybe I should just relax and savor the moments. Right now I am playing a mobile game in order to chill my brain.

I don't blame you or say that you are overthinking everything because you are obviously not alone in this. I've been through a lot more than what you are going through right now, you at least have a backup source of income that earns you at least something when you don't have a job, I didn't even have that. The only thing good about my situation was I had a residence and wasn't looking to rent a place but the job situation was worse than yours.

Can you imagine having a family of your own like a wife and a child and you are the sole bread earner of the family and you don't even have a penny in your pocket on certain days? I've been through that time, but I never gave up and I knew that things would get back on track and that happened. So, all you need to do is to keep yourself motivated and don't give up, things will change eventually and this time shall pass as well.

As you said, every problem has a solution. So our job is just to keep moving forward and keep trying harder to improve the situation and keep enjoying the process that is being undertaken so that we don't get bored easily in carrying out our process in fixing the problems we are facing. And the majority of everyone's problems today are always related to money. So it is not surprising that after the Covid19 pandemic we also have financial problems and we are now struggling to improve these finances.

Living in the city is actually much more practical and easier if we have a lot of money and have a job that can make a lot of money. It's just that living in the city isn't easy if we don't have a lot of money. This is different from living in a village where the cost of living is actually cheaper. Because we can even work in the fields to get abundant food when harvest time arrives. It's just that in the villages more power are needed to work. So in essence, both are good places depending on the conditions.

I'm always adjusting myself to everything, I learned to appreciate the things that's in front of me, instead of looking for an apartment of your choice, why not just look for what is available. Sometimes we stress ourselves in purpose without us noticing, there's a lot of solution in a certain problem but we always force that only one solution or choice in our mind that's why we ended up stressing too much.

For me, I'd rather have something than to have nothing at all, what I mean is, I'd rather take the small apartment rather than stressing myself out looking for a good one. I'd rather be in a peace of mind by choosing a very simple choice rather than stressing out myself because of choices that is not even available as of the moment.

I am not always optimistic, I am more of like always prepared for the worst. I wasn't came from a wealthy family, not from a poor family either just a middle class, so my parents have had their high and low, and I am get used to it. I am not saying that I never has a financial stress, but when I do I just live through it trying to find a new opportunity, and I believe that it will get better at some point, because it always does, and then it will get worse again, and then get better again, just a cycle of life.

That's a social way of thinking, but to measure economic thinking, the solution is to rotate the results from one income to another. Taking advantage of the situation in the midst of the situation, being in control, in other words, investing in things that are profitable during a pandemic can still be profitable. Not a few of us know that during the crisis we experienced there were open financial sectors such as selling medical equipment, masks, hand sanitizers and many more where prices soared. Returning to the current situation, there are many things that can be done while being able to analyze sources of income in the immediate environment. Anyone can hone financial management skills but it is not always effective. Still, if we think economically, we will have various ways to survive.

My understanding is that in life there is always pressure, whether it is financial, life's burdens and so on, not only in the life of the military, private sector, farmers, employees, workers and so on do they feel what is called financial pressure.

The point is that you remain optimistic about what you have now, regarding economic incentives, but the pressure that weighs most is the cost of living or generally financial needs which often makes someone always act and do bad things and ultimately regret it in life.
In fact, you remain optimistic about what is currently available and you remain focused on managing your future financial expenses and focusing on your main goals in managing finances to build a better future so that you can create your dream of building a house that is worthy for you to live in.

Unfortunately, you are right and I have witnessed the effects of the weather conditions you mentioned.



I feel close to you Ultegra134, and if this helps, the piece of advice I can give to you is that, if you are a person who makes things right (work hard, save, make ethical decisions, control your impulses) it is very difficult for things to go wrong.

Future is uncertain, and a certain degree of anxiety is reasonable, but if it is too much at moments it can help to think that you're doing the right thing with the variables you control.

Is it possible to buy a monthly or maybe an annual ticket? I know that mostly children in my country who travel by bus to school drive like this, but I don't think it is limited only to them. An ordinary bicycle does not take up much space, and it can be hung on the wall very easily, especially if it is a model made of very light materials.


If memory serves me correctly, you live on an island, and that only makes life more expensive - I know this because my country also has a lot of islands, and everything is more expensive there than on the mainland. Just today I read an article that an employer offers a salary of up to 11 000 EUR for the position of a waiter in Germany, where there is a shortage of such workers.

I can only tell you that until maybe 1-2 years ago, I could go out on the street at any time of the night without fear, and today I no longer feel safe, considering that some of the people who came as cheap labor are already starting to show their inclination violence and religious intolerance.


Look, I was also in the army at one time, so although I consider most of that time wasted because I didn't do anything useful, I still learned something and know how to handle various types of weapons, which can always come in handy considering who my neighbors are, right? Unfortunately, mandatory military service was abolished a long time ago and today's young people do not have any knowledge of skills that would be of help in case they need it.

You are right that self control is most important no matter how much pressure one is under. Taking a step toward financial health is one of the most important steps you can take to eliminate financial stress. In order to overcome financial stress and be prosperous one must first be aware of the current situation. You should identify options by doing due diligence on your current situation and the extent of your assets. Once you understand the meaning of financial stress, understanding your debt is the next step to get out of it. You can pay off your debt faster if you pay off one account at a time and start with your lowest obligations first to avoid paying high costs over time it is best to pay off the loan with the highest interest rate.

I won't blame the situation just because I have the same problem - but I can only try and fight as hard as I can so that the situation doesn't destroy the future we should have. Almost all countries have the same problems - but don't let it get to you and accept the situation.

I know that inflation and the country's economic problems have a negative impact on the financial strength of society in general - but that is not the reason why we cannot survive and fight as hard as possible. Something good must start from ourselves, it's just that some people continually complain about their situation without being able to prove anything that they are able to overcome it. In a situation like this – I think good financial management is very necessary.

I’ve personally just continued to work hard and have actually changed jobs the past couple years a few times in order to work my way up the “corporate ladder” so to speak. Inflation and the economy, ending effected by Covid 19 and inflation has certainly played a role in my life, so this is why I’ve gotten a new job, as well as moved to a place /city that is much more affordable. This is how I’m dealing with everything.

Not only on financial stress but on whatever type or kind of stress that  you would really be able to encounter due to certain things then having that self control would really be crucial or something that relevant.
You cant really just make yourself that being too impulsive and easily panic on the time that you would really be facing up some situations or circumstances on which it might really be resulting
that kind of panic or being that impulsive which would be causing bad decisions which would really be affecting you so badly. On the time that you do have that kind of control or having that kind of
discipline on whatever things that you do tend to decide then it is really that something that an advantage that you could be able to assess the problem  and act accordingly on what are the
things that supposedly to be done and dont make yourself that too impulsive and making out some decisions which is really that out of the charts.

I have all my signature campaign earnings saved, along with a decent sum of stablecoins in terms of cryptocurrency assets. I also have a decent amount of money saved in fiat, but that doesn't change the fact that housing and living costs are excessive. I'm from Greece, and the minimum salary ranges from €700 to €800 at best. Even by living with my partner, each one of us will need €300 per month just for the house. Without groceries, petrol, insurance, taxes, and so on. I don't want to be stuck in a loop, slowly draining my savings.
I'm guessing you can understand what situation I'm in right now. I'm 25 and used to live with my partner before the army came up.
Monthly tickets cost up to €60, or €40 if you're a student. I'm not sure if I'm still eligible for a student discount. However, my motorcycle doesn't use too much fuel, so the cost will be approximately close, or a little more, and will be way more convenient. I'm determined to avoid using my car or my motorcycle for short distances and stick to walking and bicycling.
That's correct; some things, such as houses, due to it being a touristy area, are quite expensive, along with fuel. I've only been to Poland abroad, which is now one of the safest countries in Europe and is against welcoming refugees, and I've got to be honest, I wasn't afraid to walk at midnight. Other Western cities are a completely different story nowadays.
I understand why the military is mandatory here, for obvious reasons of a specific neighboring country; however, I believe that it should focus more on extensive training but for a shorter time. 9 months passed way too fast, but I've been out of the job market for over a year now, and I'm starting from zero again.

Yes, you are right that the opportunities in people's life do not come again and again. So we have to take advantage of the opportunity and organize our lives beautifully. But what I know is that if we work honestly, that hard work will never fail. At some point, success will be seen, so we must be honest. To work hard. To move towards the goal of life. All people have a good financial system in their life, their life is very happy and peaceful so we should achieve something good.

you are networking here = smart.
you have a signature campaign = smart
talk things out with your partner maybe they have a connection or friends or something.

things on your side 25 is very good.

I am 66 I got out of the Navy when I was 25.

I was not wealthy not middle class borderline working poor.

I got a degree in accounting.
Did taxes on the side.
Met my wife and lived in Astoria, Queens for 5 .5 years. 
I met the Greek Pope and Telly Savalas both at Saint Demetios Church in Astoria.

My wife and I left Astoria in 1992 and moved to NJ been in NJ for 31 years.

We saved money fixed up our house and we are truly middle class and not paycheck to paycheck.

It took us time to do it.

At 25 you got time so go out and plug away as best you can . Hodl your crypto.

The financial system is usually closely related to our lifestyle and priority life goals. like me, who tries to live a simple lifestyle, even when income increases, so that the remaining income can be allocated to activities that develop financial support in the future. Of course, as we get older we have to have a place to live, and after that we have to provide the best education for our children. Therefore, life priorities must be able to run so that you can spend money appropriately

Lucky on you that you have that kind of discipline even when your income increases because others tend to spend more and want more stuff, but there will be a time when we are already mature enough you'll know that you don't have savings and you are already old so before that regret comes you should save now for the future but after our priorities like needs so that we won't be starving and after that invest for the future.
There will be time that we are in financial stress but it wont be that situation forever as there will be time that you are free

Post-COVID-19 pandemic, things have been tough for everyone. Everything was going smoothly before the pandemic, but during and after the pandemic, economic conditions have changed dramatically. Initially, it was COVID-related to inflation due to worldwide lockdowns and transportation issues. When things started to settle, Russia and Ukraine started, which increased inflation drastically. Now, the major global economies are facing challenges and are going into recessions. Major European countries are facing inflation issues along with a lot of migrants from third-world countries.

It is important to prepare for this kind of situation beforehand. Stabilize yourself financially and always have some investments in liquid assets. Work hard and try to discover alternate sources of money. Try to limit your expenses and increase your savings.

Everyone had to deal with these issues during the COVID, and some nations are still having problems due to a lack of agricultural or food products. Nigeria is the first example of a nation where prices rise daily, and I don't believe that any Nigerian product prices have decreased since the COVID began. The cost of fuel, which is the most crucial resource in every nation because without it, transportation from one location to another will come to a complete stop, is what is causing prices to continually rise. As a result, you cannot have a small budget and expect to meet all of your needs.

I sometimes wonder why things change and that when they do, it's for the worse, not for the better that will make everyone happy. Even having a good flat is all about money, and it's quite expensive. Since I don't really understand why things keep getting worse and we all know that we are not equal because some poor people will be suffering right now, I want to know why things constantly seem to become worse whenever a new government comes into power.

When unexpected situations occur, it is important for us to prepare in advance to overcome problems that may arise in the future.
What is currently happening with global problems which have resulted in many sectors being affected, both in terms of income and increasing material prices, will certainly affect finances, therefore preparation and handling are needed so that we can overcome these problems.

However, in terms of preparation, we each have our own plans, but of course, apart from that, the most promising thing is investment, even though it is risky, it is quite worth it with all the possibilities.

True story and let me take the common thread from your story.

"Time is very expensive and precious"

Thank You.

It can be overwhelming but there are ways to manage it. Start by creating a budget to gain clarity on your income and expenses. Look for things that you can cut back on to save money. Maybe prioritise your expenses and pay off debts strategically. It's important to communicate with your creditors if you're struggling to make payments as they may be willing to work out a more manageable plan. Seek support from friends, family or financial advisors who can provide guidance. Try to take care of yourself by finding healthy outlets for stress such as exercise or taking up hobbies.

Things right now are so overwhelming sincerely. But there are ways to manage this financial stress. Make sure your daily living expense is not above your earning. A scale of preference will help you achieve this. Secondly be very conscious of impulse spending this is one factor that most people cannot help themselves with. Additionally multiple streams of income will definitely ease this stress preferable multiple streams of passive incomes.  Everyone has it tough these days but I'm hoping things  will get better.

I'm someone who believes that there's always a way to deal with every problem, be it heavy or light, but there will always be a way. And the first thing to do is like you said, which can calculate our income and expenses. Talking about spending, I always divide it into 3 categories and I'm sure this is not a foreign thing either, what I mean is, the first is primary needs, secondary needs and tertiary needs. Of course, I will prioritize to fulfill the first needs I mentioned. From there I can see what things I can reduce and even not do to reduce my expenses.

Actually before the pandemic makes the people keep doing the usual thing and keep surviving and this pandemic makes them more suffer because of the different regulations and restrictions for example is the people who go outside only people who have work are the only one can make outside and the other family members must keep on their house like waiting for their family member to get back and of course it's another lose to them even though they want to make additional source of income or sideline they can't make it.
Also additional with it is the more of transportation just limited and only people who have their own cars or transportation the capable to go to their work or else they don't earn money. Suffer equivalent to money.

You really have a very good way of dealing with financial pressure. If we spend more than our daily income, of course we can't differentiate between our needs and our wants, but if we can differentiate between these two things, we can certainly avoid unnecessary spending. Yes, you are right, by having passive income it will certainly be easier to manage the expenses we need and if there is still salary left we can save it and if we have unexpected needs we can take it from our savings.

One thing that can help in identifying what our needs and wants are is by listing down everything. Sure it might cost some of our time and a bit of an effort but listing them down and actually sitting down to think about them is one way to understand if we should really be spending a good sum of money to get them. There are instances wherein we feel like we need something but after some thinking we'll realize that it was more of a want than a need. Another thing that can help is by giving yourself a few days before deciding on buying something, especially if doesn't fall on your immediate essentials like food and utilities. By giving yourself a few days to think about it, it will help you see just how much value it will bring to you.

In Russia, many people struggle with financial stress. I think that a young man should have fewer problems in this regard, because he can move to a larger city where there is more work. As an engineer, I was engaged in private repair of computers, laptops and components, and this helped me not to be in poverty. You need to learn useful skills that will help you even in the worst situation.

I see your point. I see the struggle. Haven't these times been unyielding? That's how I feel, too. Pandemic-induced economic instability has hurt everyone, mostly Nigeria and other nations with serious economic issues. The constant price increase bothers me. I wanted to contribute something. Following global economic trends, I see potential in Bitcoin and other digital currencies. It's no panacea, but it can help stabilise finances. Transactions are more direct and efficient without middlemen

From smaller problems we get the bigger ones that is why we should be ready to be able to deal with financial stress at all time. Problem will keep coming but it depends on how prepared we are to take and face any problem. If we are always ready to solve problems then we will never be scared to face life challenges. We should always learn to be eagered to face our fears because from that we do get it wrong most time. When we have good job that is giving us consistent funds, it is always easy for us than people that don't have any means of money or have a job they can call there own.

I don't know though, when I was growing up, our families didn't talk about our financials although I know that we are struggling. But my parents were able to make us all graduate from high school to college and we all have our careers now.

Sure there are a lot of problems and hardships that we face when we have our career and families and thinking of our future. However, do we really need to stress out? Or just see what life brings and then adjust our prioritizes and learn how to improved as we mature in life. There are jobs] and then there investment that we can put our money and save so that we will be ready in the future.

Inflation is a big worry for me. It can be worrisome thinking that you might not have enough money to cover all your expenses. At the start of a new month I will analyze all my expenses and income for the previous month and readjust my budget. Sometimes I have to cut out things that don't provide much long term value like Netflix and Amazon Prime. I like to save most of my money in case of an emergency but with inflation the amount that goes into savings becomes less. Having investments in Bitcoin and some passive sources of income is helpful in providing some financial security.

Maybe you just did not notice it because a simple saying to you that they won't buy that stuff or toys you want is a sign of financial struggle. Parents don't want their children to know that they are struggling because for sure you'll be thinking about helping them and you might not be able to go to school which your parents didn't want to so they work hard and for sure you understand it deep inside as you pursue to finish your school unlike others who are just wasting  the money of their parents.

That is really a good perspective not stressing ourselves as it doesn't help us just overthinking your problem won't solve it so it is better to work hard to solve it and not overthink ourselves.

Stress is a situation where we cannot control ourselves when something we want cannot be achieved properly.
It grows naturally, not about whether it is needed or not.
It's just a side effect of the work we're doing.

Everyone has different difficulties and challenges of course.
As the current head of the family with a special child, I know where my limits are.

Sometimes there are moments and events that are stressful and that's normal,
but there is a part where we find a way out after the stress that occurs.

Financial pressures make everyone ready for any outcome.
Living up to your existing job, making long-term investments for the future, and preparing everything you need to live and breathe. 

I agree that the impact after Covid-19 is the worst where the economy in many countries is affected and the unemployment rate is getting higher. Luckily enough for me I still have a job now and coupled with the income from this forum I am quite optimistic that I can get through this difficult time. Even though it is quite stressful for me to finance my various needs and pay off debts from last Covid, I still believe in my strength and God will help me through this difficult time. The point is to keep believing that we can get through this difficult time because that is the most important thing to stay positive.

Recording various expenses will really help us know where the money we use is and if it has been used for things we don't need, we can improve it in the future so we don't buy anything we don't need. Thinking before buying everything we want to have would certainly be better than regretting it after buying it and not needing it, this is really a very detrimental thing for us. If we cannot overcome unnecessary expenses, we need to learn about them so that we can make good use of the income we have.

If this is easy as it appears on writing, every young man would have loved to practice it. A young man of this generation is already face with numerous problems ranging from self care, parents and of course his relationship. Despite your skills, you must be financially buoyant before you can be able to move into a larger city. Life in the city is more expensive compared to remote areas. Although more opportunities will come your way in the city but the cost of living ranging from rent, feeding, taxes and maintenance make it less fashionable and that's why some people prefer to stay in the remote area where things are cheaper despite the limited opportunities.

Learning skills will help you out of poverty when you master and practice it. However, no one is ready to teach you skills free. You must purchase form and pay for it which requires money. Buying working tools will also cost you some money as well. This economical shenanigans is all over since after the Covid19 and everyone is struggling to survive.

Dealing with financial stress require you to relax your mind and don't allow the pressure to destabilize you. When you worry much about the problem, you won't have time to think for solutions. As long as you have skills other than your paper qualifications, you have less problem with financial dependent.

That was like the dark ages for this era and when we're just about to get out of it. War came and there are still rumors of war from the other countries. Lucky you are and those that still have got a job, lucky we are.  :)

Well said. There might be unbelievers that will read what you've said but that's fine. We've got a God that will help us and will always do that whether in times of need or not.

I just learned to accept that life is even harder today due to high rising inflation that makes the global economy prone to collapse and if you let yourself carried away with your financial and emotional problems, you will never have the courage to move forward and make positivity in life. The only thing I do is just take advantage of every opportunity that comes, especially when it comes to crypto investment. It’s not actually how big we can earn every time we try to be profitable, but how long we can sustain and overcome those financial struggles that are brought by this worldly epidemic that hit everyone of us.

When you live in a country where high inflation is normal, you learn to live with it and find ways that can save your money. The methods may be different, but the basic idea is to create assets that will generate passive income. Also, the purchase of raw materials or goods, if you are doing business, can also save your funds from inflation.

Bitcoin can also be made a long-term investment, this can be another direction that can save your money and can also bring profit in the future.

Tje cost of renting is so outrageously high nowadays that having to live in a comfortable apartment you would have to be paying through your nose and that means just one source of income won't be enough with several other demands and responsibilities hanging on ones shoulder.

Now is no more a time to try to like comfortable but to rather live within our level of income so we don't have to fall on loans to be servicing such high living standard. Op since the expensive ones are beyond your wage you just have to settle on small available apartments, you can plan your life from there to be able to afford the expensive apartments in the future. Life is all about planning well.

Before I say further I'll agree with you that yes, you're stressing yourself way too much. You can't solve all your problems all at ones, so take one step at a time. Be anxious for nothing for as long as we're still living then there's hope and this hope lies in proper planning. That's how to stay optimistic in this current economic conditions.

The moment the COVID-19 phase ended, it was a kind of economic reboot all over the world, things have never been the same ever since that deadly virus was mechanically spread all over the world and the result that gripped us by the neck is inflation upon inflation. Since I have been in this world when I started to follow up on economic growth, I have not seen inflation been discussed like before, it has become the subject of interaction more frequently and wars that are happening around the globe.

During and after the pandemic, a lot of folks didn't have where to work, they had to rely on relief funds and benefits money of the central bank and what you get when the central bank prints more money without measures is high inflation, the vision of printing that money was to save people but was at the extreme of causing damage in the future and higher is what we are all facing, there is war between the two western worlds where one is depended by others, the war are all causing price of items super expensive and the government measure has not been helpful solution.


Perhaps a change in fiscal policy and adjustment of the monetary policy in 4 years will improve the economy, my country for example has not been in the right direction both in the fiscal and monetary policy despite the new government with lots of promises, we need changes in this people. By the time other people are brought to serve the people, all these challenges are going to be something of the past. If Americans today change their government, things are going to be a lot better, maybe bringing back Trump is the right thing to do next time.

What's unfortunate is that not everyone can do that. You might have had the option to change your job with a better one and also move to a place that is more affordable so that you don't spend a lot of money on rent and bills and stuff, but most people can't move out of their current positions and find new jobs, and they can barely move to a different place just for the affordability unless they find a better job opportunity there so that they can make a move.

I know that every single person is affected by the economic situations of their countries and the most affecting one of them is inflation and fewer employment options, but some people can manage to get better over time if they try while others will have to keep suffering from these things.

You're not alone buddy, same thing is happening all over the world. Here in Africa, poverty is increasing everyday and the cost of things are also increasing. We're suffering more because we don't produce most things we use in my country and the cost of importation has made everything to be expensive. We're a oil producing nation yet we don't refine it but sell it to the westerner and getting back refined fuel that we buy costly. The financial stress happening in my country is the reason you see many of us relocating outside so we can escape the hell we're experiencing in Nigeria. My people are migrating to do minor jobs overseas and that's how they're dealing with their financial stress but I don't buy into the idea of traveling outside to look for greener pastures, I believe the grass can be green where ever you're residing but you just have to water it. The water here can be anything that gives you an advantage to receiving more income like learning a new skill.


Your observations are correct because COVID-19 did reset everything, many companies haven't been able to recover since then and those that have recovered are having to cut cost by firing their staff and increasing the rate of unemployment and also adding to people financial's problem. The way I handle financial stress is to acquire new digital skills so I can work from home as my expenses increase. Bitcointalk is also contributing to my finances as it helps to handle some little bills that would had been taken from my earnings and now I can use those for more serious financial problem or investment. Investing in Bitcoin is another way I have been able to tackle my financial problems and I'm not just writing this because it sounds right but profits made from investing in Bitcoin has helped me alot. You can try investing in bitcoin to ease your financial stress with the profits you make.

It's really have a big impact on every economy, however, I would say that I'm one of those who are lucky enough to have a job during that time but it was tough though. I mean we really have to get something during that time as we venture into business because of the situation, like face mask and other essentials.

But compare it to the 2008-2009 financial crisis? I lost my job that time, when everyone was assumed that we will keep our jobs, however, after 2 months, we all get laid off. So very hard and you need to hold on to everything including God to be able to get thru that hardships in the pandemic.

In Indonesia, several shops have been very quiet from buying and selling activities in the last few months, the sluggish economic conditions have made most people stop selling and many shops have been very quiet for more than the last five to six months. I think only with my country have bad financial condition but seems almost global world faced difficult with financial actually we are passing few years recovery from Covid 19. Right now we have more than one job and most active finding several side job to make better financial condition, due many basic needed increasing up and make us have manage well with financial condition how to make it stable.

Need new innovation how to make financial be better in the future, as not having much capital to start with business I think we need new way how to make financial stable in the future.

In fact I saw in several local news that many shops are currently out of business due to sluggish sales caused by the weak economy of the community. Even though after Covid-19 passed there was a slight increase in economic problems in our country, the reason for losing jobs during the disaster is the basis for why many people are currently unable to meet their spending needs. People do not have permanent jobs as a source of income at this time and this is the reason why many shops have to close, because there were few buyers this made the expenses for the shop manager increase and ultimately they had to close.

Business will be difficult to develop in current conditions because people do not have a source of income due to the lack of permanent employment. Innovation for this problem must immediately find a special format, otherwise people's lives will become increasingly difficult and the government needs seriousness to find a way to get out of problems like this.

A global crisis began after Covid 19 and this crisis still continues its effects. After something ends, a new crisis occurs, such as a war or a refugee crisis, while some balances are disrupted and inflation is fueled in the world. Housing and food prices are currently on the rise all over the world, there is too much demand and the supply does not meet the demand. You need to stay away from stress. First of all, it will be healthy for you to stay calm, make a plan for yourself and continue believing in that plan. Everyone is experiencing these financial problems right now, and they are very serious. If you can meet your shelter and food needs, of course you will need time to find a clean method. Just use your time wisely.

From those sample of global crisis you've mentioned, I have observed that most people really do panic as they rush into the supermarket buying everything they could store for them to be safe at home. And also I observed that people who doing business took advantage of that situation by increasing the market's price, cause they know if you panic, you buy anything. That's actually stressful for the consumer as they need to buy their essential needs without having a job especially in the pandemic days. I dealt these kind of situation early before people and the market started to change, like the Covid-19 starting from two digits, I already started saving money as well resources.

This is my current situation. Somedays I wake up feeling optimistic other days, I wake up feeling depressed. As I write this now,this is one of those days where I ask myself what am I here for? Why are things so hard? I feel like giving up but what happens after I give up? I have no other option than to keep on moving.

Financially, I am in a terrible position. Barely managing to survive. I have given up on paid employment and I find my comfort in the cryptocurrency, doing some side gigs and living below my means. I have basically have to cut off from friends who always want to hang out because I can't afford it. Whatever it is though someday, everything is going to be okay.

It's very important to check and see what you spent the most money on. That doesn't mean that you are not going to end up using it, it just means that you are going to end up with something that would benefit the people a lot more. I hope that it gets to a point where we could make some money with it, but that doesn't mean that we are going to end up with something that will hurt us on the long run.

I know that it is going to end up with something that would make sense, but we should be doing something that would make sense in the end. I hope that it gets to a point where we could make some profit with it, but that doesn't mean that we are going to end up with a good result that would make sense on the long run neither.

Having a thankful mindset in which you will be thankful for what you have right now can really ease your mind as we know that the time right now is very difficult and everything is stressful which is why having to be calm always is really good because being stressed won't help and you can't think well about how to solve your problem.

All of us have been through financial stress but not all of us tackle it with different methods. While others got stressed but others didn't as they focused on finding a solution which we should also do.

Same here mate stress chased me and here's how it begins...

2017 was the best year for me when it comes to crypto beacuse I made tens of thousands of dollars here on this forum. I bought things I needed like a motorcycle for me and my brother as we are living in a remote area. It is too hard for us to buy basic needs without it. I built a house but was unfortunately run out of funds due to the plummet on the first quarter of 2018 .

There came the pandemic in 2019 and we're caught off guard with it.

A supertyphoon hit us hard that it left us like 6-7 months without electricity and stable data connection. This was the time I am having difficulty on my side hustle like Signature Campagins, NFT games and other online source of income. My phone, laptop and other devices were flooded and was gone dead. Foreign and local aid was not properly distributed due to corruption.

After the supertyphoon I decided to sell my silver coin collection to buy a new phone. Unfortunately, signal and the power source was unstable and when the time things went okay, I lost the chance to earn with my NFT games, the forum and other source of income due to inactivity.

For now, I had nothing but to regain activity for a chance to become aligible again to some earning perks here on this forum. Lucky for me I kept a copy of  some of my accounts in a secured piece of paper with me during the typhoon and placed it on a safe container.

I know that things sometimes will go against us but I always remember that giving up is not an option to become successful one day. Giving up is like killing the idea of survival. As long as we are alive there will always be a chance and hope.

The biggest benefit way to can protect yourself financially is building up a buffer if possible, which people have done for a long time in the form of savings. However in the globalized world you constantly need to be earning, learning about new sources of income, taking advantage of many different sources and diversifying your assets. It's no good holding all of your money in one asset, because when crashes come they can be devastating or they can sometimes help to build great fortune up if you have given yourself a solid cushion to fall back on to in bad times. The bad times, when everything looks darkest economically-speaking, is basically the best time to have cash available to buy cheap as everyone is trying to liquidate.

There should really be divisions or allocations on which it would really be composed of savings/emergency funds and then having that diversification with multiple possible investment and businesses on which it would

really be giving out that kind of opportunity for you to make money which it would really be resulting on having no worries when it comes to financial stress. We do really get only stressed out on the time that we do know that we dont have financial back ups or something that you could really make use of but on the time that you do have that kind of financial freedom then you wont really be experiencing these type or kinds of problems on which if you do really have plans on having that stress free living in terms of finances then you should really be thriving yourself for the best and dont make yourself that sitting idle or having no actions because if you do let yourself that getting that passive income without doing that much then you did reach up the pinnacle of success.

Not all would really be ending up on the same state on which even up to now or being long time dealing but still struggling on achieving such state. This is why making some
hardwork and good decision making analysis towards your investment and other ventures would be always recommendable on doing so.

Agree. Covid19 changed many things, it triggers worse global economy. Many people lost their jobs, many companies got bankruptcy, and most countries experienced crisis on many sectors. It became worse with the war between Russia-Ukraine. The petrol price is increasing significantly, it bring a big impact on the price foods and many other things.

Yep, we must be calm, just try to make a good plan for the future. If we panic, we can focus on making an appropriate plan. In this situation, we must be smart to find out the solution. I think we can be more tight in spending money, and we must get more sources for income. The financial problem will be solved if we have more income and less in spendings.

This can only help temporarily, in order for the worries to be gone, one must find a solution to the problem, since it is financial problem that produce financial stress, one must look for a new source of fund.  In this way, the new source of funds can help the person nullify the financial worries and so is the financial stress.


If we act hastily in solving this problem, we might spare ourselves from experiencing financial stress for a long time.

Because there is something you are unable to accomplish yet, that thing keeps you distracted from being optimistic.

Try to fight as much as you can as there is no choice but to fight for it. An anxious person really has a hard time thinking properly because of lots of distractions and problems that they are experiencing in real life. Since you were able to post your problem here, I'm sure you know what to do but just weren't able to execute it properly.

Cheer up! A simple word but should be an encouraging message for an anxious person.

current economic condition are indeed can be the causes of many people to get stress thinking about their future while their financial seems like a hollow that can crumble anytime.
the only way to overcome this of course is increasing the income try getting more than one job I guess even thought it might sound silly but thats the only way to survive nowadays.
things are getting difficult and difficult, the best course of action is just adapt with it.
because I knew very well, if you aren't solving your financial problem you will always anxious, doesn't mean the world is doomed though, there's always second chance.

I understand what OP feels. Because it cannot be denied, after the outbreak of Covid-19, many people are experiencing difficulties in life, especially in the economic sector. Because even though the Covid-19 outbreak only lasted approximately two years, its impact is still being felt. Therefore, now I have decided to just start an independent business. Because if you hope to work in a company like before Covid-19, I think now it will be difficult. Because in the country where I live, companies used to have and need a lot of employees. Now the scale of the number of employees has greatly reduced. So when I applied for jobs, I thought there was a good chance I wouldn't get hired.

Therefore, I prefer to open a business, even though it is still small, but I am grateful that now I am the boss of my own business. Then regarding the house and residence, fortunately I already have it. So I'm not too confused about this. So the conclusion I can draw from my experience after coming out of the financial pressure caused by Covid 19. The point is that having sufficient savings, and innovation that must continue to be developed will be very important. Because to be honest, I was also very confused when Covid 19 hit, because at that time I was unemployed. And what makes me even more confused is that I already have a family, even though I haven't had any children. But still, having responsibilities during Covid 19 really makes my mind confused.
But fortunately at that time I still had sufficient reserve funds, and I decided to open an independent business.

Oh no, there's already a financial and economic crisis looming, the lynchpin was the COVID pandemic which sped up things although I couldn't really back up the claim without any further reading into the economy before the pandemic, I am sure that an economic collapse during the pandemic can't happen as quick as a snap. COVID also unveiled the ugly truth of how countries handle pandemic and how they can stay afloat during the crisis. Only thing that needs to be done right now is for people to start thinking about the community as a whole and see that this financial crisis can't happen if the big corporations and the government aren't colluding to get more for themselves and less for the masses.

Dealing with financial stress for me is not that big of a deal because I am not that materialistic and having a job that pays helps me save money for when things are in dire situations, living in moderation and being content with what you got is really helpful, the peace of mind is worth millions.

We cannot avoid all of this because this happens to everyone and even countries, and there is no other choice but to have a side job or additional business to help our finances.
And now we have to be smart in handling sites like this, apart from being able to minimize expenses and not buying or spending money for unimportant purposes, we are also required to have additional income.
stress or lamenting the situation and worrying is not a solution and will only make you more difficult or miserable, you should reflect and think about your abilities, and at this time we have to be creative and smart in thinking about and dealing with it. It's not as young as it says, but it has to be like that and independent.

Unfortunately, it's really hard to live without money because we always want more comfort for ourselves, the same things as successful people, more delicious food. And if there is no money, then it plunges us into stress, because of which the mood is bad all the time and all thoughts about where to get money from. Unfortunately, there is no more difficult task in the world than to figure out how to make money, and I am very glad that we are familiar with the world of cryptocurrencies, which is a promising world of freedom and, of course, earning a lot of money, you just need not be lazy to learn new things.

In such a difficult economy situation, we as individual cant change much on how things play out, so we have to adapt to it by drawing out our scale of preference, in that way we can go for the more valuable things by cutting cost of the less valuable things.

The rat race is really eating us deeply, but we can't let it to break us down because I believe in every difficult financial situation bring out the best economist in us.

How about your primary source of livelihood? Doesn't every region have its own primary occupations to ensure survival? It seems you've been grappling with prolonged electricity issues in your area, and of course, you can't earn income from the internet without power.

I'm confident that everyone in remote areas has some form of income source, perhaps through farming. However, given the challenges you've described, it seems your location is severely underserved by decent public services. I would personally prefer relocating to a better place, even if it means renting a residence.

At the very least, we could have access to well-maintained public facilities and continue to generate a decent income from various sources we can pursue.

no need to be too stressed about it. just prepare well. for example if we want to deal with inflation. we just have to really manage our money well. The main thing is that we have to really hold back expenses unless it is really necessary. if we need it according to our prestige. of course economic pressure will continue to haunt us. not to mention the endless inflation we will continue to feel every year.

You're right, financial stress will continuously hunt us. In fact even in instances wherein we feel like we are financially okay something will happen and pushes to spend our money and buy the end of it we'll realize just how bad it actually is. During financial stress such as this I usually go with taking a step back and grounding myself on the reality, then I analyze everything with a clearer mind, see where I did wrong and went over my budget then I adjust everything. Economic pressure will always come and unforeseen situations will constantly come hence we need to prepared every single time, no matter how severe it gets -- prepared to take care of it and prepare to get back up from it.

This is also what I have been doing since the pandemic, I have to be smart about managing my finances and have to be smart about saving because at the same time all basic commodities are increasing due to panic among all groups. Since I was laid off due to the Covid-19 lockdown, I have had to sell valuable items that can be sold at home for family needs. I also don't get help from the government, maybe I'm considered a well-off person, because I previously worked.

Even though everyone is feeling the impact of the lockdown. Everywhere looking for work. Everywhere I looked for a loan, no one received it. Meanwhile, my family has many dependents. If I just wait for mercy from my neighbors, it might be impossible. Because in my village there are economic problems for both. We are not elite people, we are not rich people who have lots of savings. We are just small people who want to survive amidst the Covid outbreak. We are the small community that really and most feels the lockdown in my country. When all the elites and rich people stay at home and eat well, maybe they won't remember us, the little people who now don't have jobs, only feel hungry and burdened by their families. Sorry I vented a little, but all the problems are in the past and there are lessons to be learned. So it is important to save and invest because this way we can overcome financial stress. When a disaster like Covid 19 occurs, we don't need to panic and are of course ready to face it.

Changing your place of residence could help you take a step forward, but fears prevent many people from doing so. People are able to adapt to any living conditions, but we should not let our fears stop us. I know people who doubted for a very long time whether they should change their place of residence, but when they decided to take this step, their lives changed very quickly for the better and they did not understand why they did not do it for so long.

In an environment where the standard of living is very low, it is difficult to realize your potential, but in order to try to change something you need to be brave, and this will entail even more stress at the initial stage, but if you don’t try to change something, then life will pass very quickly and nothing will change on its own.

That's right, friends, we have to prepare everything about our finances carefully, especially since every year inflation will continue to occur, don't let our lives look too luxurious or prestigious among the local community. Live simply as you are because what determines our life is ourselves, whether we have enough money or not, other people will never help if we have problems with our finances.Prepare yourself in any difficult situation. Most successful people out there have experienced or started the same way as us. What they do is be disciplined, do small things consistently, turn the pressure into a challenge, and only they can postpone pleasure to enjoy it at the right time one day.

The COVID19 inception was a very devastating blow to the world as a whole. Many people were taken unawares of the situation and it caused many their jobs, businesses packed up, increase in price of commodities all round. The situation till this moment is terrible. The third world countries are at the end of it all as non of their government could do anything about it. The world is facing a terrible economic inflation which has affected virtually every aspect of the market.

In my country here it is a terrible situation. The economy is something else and price of commodities here is x5 of the initial price. The price of petroleum products is on the high side.  Currency devalued and on a free fall making it very difficult eOne to meet up. Yet government is yet to attend to civil servants working  for them on increasing their salaries.

The cost of accommodation too is very high that getting a house here will take ones effort and just as OP has said that is how it is over here. It is very frustrating and worrisome that things got to this point which would be very difficult for one to comprehend. So what one needs to do at this point in time is to plan, budget and spend moderately to avoid unnecessary waste of resources. With these measures, one can be able to cushion the effect of the economic inflation  and financial stress encountered as a result of the cost of daily living.

Wow, I've been busy the past few days and the replies keep on coming, so much that I can't keep up replying!
Yeah, I guess you're right, it's still too early to be that stressed while things haven't worked out too bad to far. This forum has been exceptionally helpful.
I'm sorry to hear that you're going through such hardships. Unfortunately, my country Greece isn't also a mass producer but at least most supermarkets still have country-grown produce, with a few exceptions of course. Unfortunately, Africa always used to be manipulated by so-called developed western nations for their natural resources; it's a shame that African countries are so rich in resources such as gold, oil, diamonds, but are been exploited by other nations.
Bitcointalk is currently my only source of income, so I can relate to what you're feeling. Any money I earn through signature campaigns stays in Bitcoin for long-term investment purposes. Financially, COVID-19 was a great period for me because fuel became much cheaper, I wasn't going out so much, nor did I suffer any decrease in my income. This slowdown in the economy, however, is to blame for what's currently happening, along with the inability of governments to control inflation and excessive profit margins for large corporations.
I understand the feeling; some days I wake up fine, some others terrible, with a depressive mood; it feels completely bipolar. It's understandable to feel that way. I often have similar thoughts to yours; as an overthinker, I can relate, but they don't lead anywhere. Most of our lives depend on survival, and unfortunately, not everyone manages to exit this vicious cycle. Cryptocurrencies are providing me with some comfort, but unfortunately, it's not enough.
I'm really sorry to hear that you had to go through all that. 2017 was a great year for cryptocurrencies, in which I also managed to make some money from scratch. Unfortunately, it didn't last long, and the 2018 plummet made me quit the forum and my coins for at least two or three years. Stay strong. I've never experienced something like you described, but it sounds extremely tough.

I feel devastated by what happened to my family three years ago, but I have my own reasons and ways to avoid this financial problem. Living frugally by continuing to limit the needs we need every day and continuing to try to restrain ourselves from buying what we want, which is just for fun. When Covid 19 hit, there were no other words other than gratitude because I was able to get through these difficult times and to meet my family's needs at that time, I tried to run a small business by selling on the side of the road, the profit from this business was not much.

Since the pandemic started, I am very anxious with my current salary. The inflation after the pandemic really hit us so hard , the prices went so high now some basic goods has a higher price than usual . Even onions and rice increase a lot , I don't know how can I budget my salary because goods and necessities are getting high but our salary remains so low .

The budget for our basic necessities that is enough for a week could only be spent enough for a day. The inflation really hit us so hard after the pandemic crisis and to be honest, it's stressing most of us. The only thing that we can do is to grind and work harder to earn more. If we only have a single job that isn't enough to sustain a living better look for more opportunities to earn and survive. Life is a survival battle these days and being contented will only make us suffer in poverty.

thats more likely true, the thing with commodity after pandemic or even in the middle of pandemic is that, its keeps getting inflated in terms of value, these commodities always rising when there's pandemic when quite literally everyone trying to hoard something like foods, etc but even after pandemic and people not hoarding it didn't go down again because those seller knows people need it for daily basis.
as a result everything is also increasing, right now our buying power has been lessened greatly, if we don't take two jobs, its more likely that we gonna starve, really tough times these days.
the only way is to work harder while we already working hard, doesn't make sense even a little bit, but thats just how it is.

Many people around the world have the current situation. Nowadays, having a single job is not enough to support your neeeds and your family. What we must do is to find another source of income to at least be able to keep up to the inflation. Aside from that, budgeting is really needed, you must avoid everything that will make you lose your budget like eating on fastfood and buying unnecessary things.

If ever you can start a small business, that would be the best way since you can be the boss of your own business. Just plan everything and have a tight budgeting for now until we can keep up to the inflation.

That's right, there must be additional income. If we are physically strong there is no problem (we can work in jobs that are man power in nature) but if we are physically weak, at least sell and have a small business that sells daily necessities, for example selling cigarettes, fuel for motorbikes and daily household needs. day. The results are indeed small, but if we have a family, I think it can cover daily costs, for example, buying fish and shopping for daily necessities at home, at least it can be covered.

Life is tough today. When you only have one source of income, you'll barely make ends meet. That's why when you've got a family and you the man being responsible.
You're the one in struggling which you think is the best for you. There can be people that might not understand what you're doing for your family. But let alone yourself do appreciate your efforts on these trying times.

When we have a family, of course we bear great responsibilities in our lives. So sometimes we have to push ourselves to work harder and reduce our rest time to earn more income.

Currently is the digital era. So we must try to utilize digitalization into an opportunity that can make us money. Whether it's becoming a content creator like a vlogger and the like. So even though we are not physically as strong as other people. But we can still try to produce in this way.

But the results are not instant and require a long process. We can work as usual. Whether it's selling snacks or other things that can generate profits. And when we have free time, we take the time to look for opportunities on the internet. I also do that. I also look for opportunities on the internet.

Increasingly, we are faced with the difficulties of life that ultimately require us to rack our brains and also work harder. The income we get from our regular jobs is sometimes not enough, especially if those who already have a family and when we are men then we are the head of the family and must be responsible.
Having additional income is one solution to overcome it all. I think in this day and age we are required to be creative in building businesses to then become our additional income. Even in trading, competition is now tighter, so we must be creative. But the advantage may be that we can build a business by opening an online store or something similar because now is the age where consumers shop more at online stores.

Ostentation is a trap where it is quite easy to fall but very difficult to escape from, because when you create expectations in other people they will punish you when you stop meeting them.

The problem with inflation is that your savings become worthless as time goes by, but the alternative of spending too much money because of that is not any better (well, at least you enjoyed the moment, but we all need some peace of mind for the future too). So, the right strategy right now is to invest, which adds a new problem to the equation: very few people have the financial education to do it well, and even for those who know there is almost always some degree of risk.

The point is that there is always a way out for everyone who wants to work without having to rely on their physical body by becoming a construction worker or unskilled laborer in certain warehouses. Because selling in the market or on the side of the road can also be a good choice to meet our daily needs and keep us away from stress or greater difficulties. Now there is almost no reason to complain and be lazy because everyone has more solutions in terms of work so that everyone can choose for themselves which job is more suitable for them and which suits our respective skills.

No matter how small of an extra income it can give us, at the end of the day it will still count. Having a side hustle or part time job outside of our main source of income (may it be work, business, or investment) will always be a good thing no matter how small of an amount it can bring.

A side job or hustle shouldn't be affecting your mental and physical health, cause to be honest, I think it also add to thinking that "oh I still have an extra job to attend" which can lead to overthinking and affects physical health like fatigue. Having an extra option for money sources is actually good as long as it doesn't affect your health and time, cause it might sound good to have extra funds but we all know that you know to yourself that forcing something will never be good. Just find extra paying jobs or hustle that ain't heavy, like crypto.

~Update~

I've been busy the past two days, but it was for a good cause. We've finally found an apartment to rent in a pleasant condition and in a decent area with its own parking space, solar heated water, two bedrooms, and generally a comfortable place to call home. On the negative side now, it's a little over our budget, but I'm hoping to find a satisfying-paying job soon enough.

Well,  your hustle or side-income responsibilities may sometimes look like a burden, especially if you're tired and stressed. You may not feel bothered to put the necessary effort to fullfil what needs to be done. There are times that I'm not even in the mood to browse the internet, let alone read and reply to posts about complex subjects, such as price speculation, trading etc. I'm not implying that signature campaigns may feel like a burden, but once in a while, you may not be in the mood for anything.
Even the lowest-paying campaign on the forum (due to rank restrictions), for a full member, for instance, will yield an approximate $30 to $40 per week, which is about $120 to $160 per month. Depending on your country, it might be an insignificant amount of money, but it's still a decent boost to your yearly income. Without mentioning higher ranks that can yield up to $800 per month, but that's a different story.

It is good to know that you have found a nice settlement, you can work ou on the budget since I believe you are a capable person and will be able to find a good addition to your source of income.


The side hustle can only affect us neagtiveif we force ourselves to do the job despite we hate it.  But if we are fond of the things we do in our sid jobs, we will never be affected negatively, we might get tired but we fill accomplished.  If one is having problem with their side job, I believe he must look for another source of income and resign from the side job that is giving him discomfort and negative effect.


$120 to $160 per week is almost a 1 month salary for an underpaid employee in my country.  And these underpaid system is very rampant in a developing country.

We should be careful in choosing a side job that will not affect anything except that it can help stabilize our economy, because it is impossible for us to do a side job that will affect our physical condition or even affect our main job.
The aim and purpose of working on the side is to help increase income without any effects, and it is true that in Crypto it can really help, we don't need to spend a lot of time and it can be done anywhere without affecting physical health and certainly won't interfere with the main job.

That will certainly be quite helpful and I'm sure everyone wants additional income even though they already have sufficient income from their main job.
Many unexpected things can happen, so we really have to be prepared to face these unexpected things in the future by preparing adequate finances.
Nothing is wasted, it all means a lot.

That small amount can help you with your needs. Just imagine your salary is just enough for bills then you have a side hustle and that is for your daily food. Even if you earn $5 daily as a side hustle or below it can still be used to buy some food to survive on a day. Always be thankful for it because others have dreamed of them having side hustles and even finding them but still they haven't gotten lucky enough to find one.

Side hustles are really important now because of the high prices and because our salary is not enough. I am lucky to have a side hustle which helps us with our food and other needs and our main salary is for bills.

Money becomes very important when it is scarce, which is why I say that we need to focus on money at the very beginning, to make you feel secure, so that you always have a reserve of cash that will give you that peace of mind. After all, in this case, little will change for you, you will still work, earn money, make plans and achieve your goals, but at the same time you will not need to walk on the edge and worry that you will not have anything to buy food for tomorrow. Once you have savings, you can move forward with peace of mind about your finances.

The life that humans live today is very difficult and there are many people who are unable to make ends meet amidst increasingly worsening financial pressures. The steps I take in conditions like this are trying to live as frugally as possible and when it comes to basic needs I prefer to buy raw materials to cook at home and also limit outside activities that can cost money beyond my ability to earn. Not only in Europe, even Asia is also experiencing this impact, the economy is really getting more difficult at the moment and there are many people who have to stop pursuing education because they cannot afford the fees.

The service sector has a much greater survival rate compared to other sectors which have almost the same impact on buyer uncertainty. A prolonged crisis can destroy the economy of countries/individuals and we are really feeling this difficulty now. If next year this condition does not change, I am sure there will be a recession that will be much more severe than now and we hope that this can end this year so as not to make people more difficult.

Everyone will definitely feel the same way as you feel, especially those who have big responsibilities towards their family. The method may be as I said above, that we must try to live simply and not spend too much money on things that are not too important and try to be more frugal in meeting life's needs for now as much as possible.

Of course, my mate, I also agree that you should take this route for a side job in which you don't have too many problems. It means that you should make this work your hobby, which is in the field of your liking, and the second is that there should not be too much physical labor in it. Only interference should be done in this job that you find equal to your physical strength and happiness. Anyway, side jobs only mean extra work, so why should you take so much effort for it, which will leave your essential work or cause pain for you? Yes, side jobs mean to increase your financial status, but that does not mean that you should choose the jobs that leave you from your essential work or jobs. Which is your main source of income?

I totally agree with your opinion about choosing cryptocurrency as a part-time job because it does not require much physical effort; you can easily do it at home, outside, gathering, etc. without any physical effort. I would like to say one more thing about cryptocurrency: without knowledge and experience in cryptocurrency, it can lead to loss instead of profit. Because the foundation of cryptocurrency is based on volatility, So, you should monitor cryptocurrencies carefully and thoughtfully.

Economic and financial conditions are of course increasingly difficult to predict, many types of investments going bankrupt means we cannot depend on one or two types of investments, continuing to look for business and investment opportunities is important for our finances to continue to improve.

Of course it is something that is difficult to predict, you cannot guess what will happen to yourself or your family in the future, it is very possible that something will happen in the future and you will not know, the point is you will need money urgently. Therefore, starting from now we must make some preparations to minimize something unexpected that happens in the future, one of which is starting from now you can get used to saving or allocating a little money from your remaining needs for investment wherever you believe.

It is true that not a few now experience bankruptcy in investment, but I will not blame the platfoarm or the company that provides the investment opportunity, I say it's because they just can't make the best planning for their own investment. So the point is that you should be able to find many opportunities to be able to make your finances better, if you don't have good skills in terms of investment then you can look for other opportunities such as business, but well it will go back to yourself about what field you are more skilled in.

Hoping on a job for monthly payment for survival these days is not guaranteed. Most countries pay below minimum wage and as such one can not depend on their salaries for survival. This makes it difficult for one to meet up with the economic inflation affecting the economy of their various nations. With this, one would need to have other source of income which is otherwise called side hustle to support and add up to what they earn monthly as the case may be. This would help them to meet up with the pressing demand as a result of the economic inflation.

Budgeting too can help one to minimise expenses while living within their budget. This would give one a sense of reason and to be conscious of the economic situation of their nations so as to sit up and face the reality of what is happening. When one puts up a budget, it shows a sign of self discipline which one must abide by to making sure that they achieve their goals.

Thank you, it's trivial that your place of rest is comfortable, because we spend more than half of our day there. I'm hoping we don't face any issues in the near future and everything turns out fine. Hopefully, I'll get a decent job in which I can both support the house and save some money aside.
In my case, I never see Bitcointalk and its signature campaigns, as a burden, quite the opposite, I actually enjoy being here. Certainly, it can be tiring doing something you hate, even if that's a job, a part-time hustle, or generally anything in your life.
This is insane. With that being said, I can guess that your signature campaign earnings are a great source of income that is paying more than the average salary in your country. Personally, my current campaign accounts for 1/3 of an average salary, which is still a decent amount of money.
It definitely isn't the best time to be alive. I'm not sure if times were ever ideal, but I believe that in the past it was easier to afford a more comfortable lifestyle, especially for families. Nowadays, when two people are barely saving any money aside, it's practically impossible to stand on their feet and have children that you can provide for.

I don't believe that there's any sector except IT and technology that are in a better position right now, but both of the two aren't feasible for the average worker. The service section will always need working hands, but it's common to face poor salaries and unpleasant working conditions.

Not only that, but we can also do small-scale farming to fulfill our kitchen needs. I see people focusing too much on supplementary income, I'm not saying that's bad, because it has to be done.

But we should also be able to think about something that is often forgotten. Now I think it's easy to make your own farm using the hydroponic method. If we used to always buy vegetables, then now we have to think about how we can produce our own vegetables without having to buy.

It will be a long process, but as long as it can be done, then never ignore something that can actually be one of the solutions to the current money difficulties.

Financial stress or distress is real and is something that happens. I'm also a victim of it due to my state of location and traveling. Immediately after the Covid 19, a new world started for some people. Some persons moved from grace to grass depending on different countries that they are located and the impact of covid-19 in that very country.

Whenever one is faced with financial stress due to the increased inflation that is happening globally and weakness of local fiat, what should be done would be to try as much as possible to spend less money. If you keep spending much and earning less when there is still inflation, you will end up being strangled by more financial stresses.

Yeah, one may have hard time adopting the trend of digitalization but it's one way to go. You need to take every opportunity that you think that you can do especially in this age. But being a vlogger or a content creator aren't only opportunities on this age. We've got digital economy and marketplaces where one can take for the jobs that you fit there.

Additionally with the inflation, it makes it harder for the one source of income that we've got to survive. It becomes lesser and lesser and value decreasing. And that additional income of what we're discussing is good to apply at these times through being a remote worker.

Continue to venture yourself with available business that you know you can excel is possible, like what you mentioned
it's difficult to predict if what will happen to the one that you are supporting.

Chances that bankruptcy can happen and you need to move forward and find another business or investment to cover
losses that you got from the previous will give you another opportunity to work it out.

It will never end and this condition always repeats itself, after we finished it well 1 month ago, preparations for next month must also be ready. Financial pressure is always there, but if we are good at managing it and work together with our wives, I am sure it will be easy to get through it. Of course, we as husbands must not stand idly by and give up on this condition by trying our best and accepting the condition with grace after we try. whatever the results are or are not there.

I have noticed one thing, the more a person has money, the more his spending capacity increases.
I cannot say that having more money is a problem, but I can say If a person has also a decent budget and an average budget, he should be thankful to his God, as we have heard too many times, that in every part of life or every stage of life, we should thank of our God.
Another thing, one should think of is his financial strategies, that is where most of the money goes or is invested, and he should cover that area. In this way, we will take control of his money, and at last, he can store his money, and become stress-free from the pressure of not having money.

I think we should consider increasing our sources of income so that in such a situation we can control our stress. If someone's income is low and expenses are high, inflation is a very difficult situation for that person, and in such a situation, mental stress is a natural process. Whatever the reasons, not everyone can handle financial stress. Very few people cope with such situations consistently. In a country where the economy is weak and the currency is devalued, you can imagine that people in such countries are unable to buy even their daily necessities

Some people cannot cope with such situations despite spending less money. Where can you cut your expenses when you can't even buy two meals a day? I think people who earn less can't even think of spending more in inflation because they are already under pressure. We can give up our desires, but we cannot give up our daily needs.

While it sounds easy to find a business you think that you can excel easily. Businesses are going to take time until you finally see them run stably and you can count on it as your major source of income. But it all starts to what you know and you're not just going to do a business just because it's profitable based on others testimony but you got to prove it yourself that you know how to run one.

Yes, and that's the cycle for most of the businessmen that do it wrong. They have no background but as a start, it's actually a good one and later on they will find out what suits them right. If it's either being in a business or being in a job where they love what they're doing. And as you choose, you'll recognize that owning a business and having a fruitful investment takes time for them to see results.

You will really feel secured which I want to experience in the future as right now there are still tons of needs to pay and also salary is not enough. Most of us really want to have savings but the problem is that it won't allow us because of our income. Others may say that even a small amount is still savings which is true but still by the end of the month we can still get it because we need money.

When you're already financially stable like you already have extra money after paying bills and buying our needs then that is the time you'll save because you'll be tempted at that time to buy your wants.

I guess the best way to discover a success part in business is to first of all have a motivation in the business because most times,  we can't predict the future so for such avoidance of bad future economic possibility is important to have a discounted motivational point aside the profits and loses,  most times,  doing business that you have basic knowledge,  experience and path with is most motivational since you will already know the best route to take to avoid any possible loophole and also being able to stand up against any possible future economic challenges.

Having a business is not as easy as it sound,  but then we have to also make up our mind to stand up against any possible challenges that may arise while doing business or a job because life is full of daily unique challenges.

In my country, the opportunities to earn money have significantly expanded, and it seems like the general public isn't feeling the ongoing crisis. Some of my friends are in a situation similar to yours, having switched to a new company and receiving a lower salary compared to their previous job. However, the recovery seems to be happening remarkably swiftly, and even the entertainment industry is operating as if nothing is hindering it.

Indeed, I haven't been adversely affected by the economic challenges brought on by COVID. Perhaps what I can share with you is the importance of cultivating skills and expertise in a particular field. Instead of being an employee indefinitely, it's advisable to have a skill that can generate income based on your performance. This approach will allow you to grow and thrive rather than being confined to being an employee at a company until old age.

It is a basic requirement that you know what you're up to with the business that you're about to establish so if you're just starting out and you have no idea of the actual business. This means that you're just testing and you can do so much with that because you're fine with the lessons that you'll get to have by the end of time. And if looking at those results, it will define your decision whether to pursue that and if there's a potential of what you're doing, the early failure won't make you stop from exploring the business that you're about to make.

It is not really easy and that is because we only read and hear success stories of businessmen that were already successful in the paths that they took. But if you'll ask them how they've been through, they'll answer you honestly that it is not easy.

Yes, giving a business a long time to build up before expecting a return on investment is very important as a sustenance of the business because during that time,  the business will be able to build up enough liquidity that will propel its future suitability and also geared the business towards a successful part along the line.

Although the part of being an easy aspect comes from the ability of the business owner to remain consistent and meet up with the business's daily demands and at some point the economic challenges that affects some business may be external forces such as government regulations that have a direct impact on your area of business,  so in all sense of it requires hard works,  resilience and other attributes to be able to stay ahead in business.

I live in a country which does not treat their people like worthless livestock. If I were to lose all my money, my housing and my job, then my country would cover my health insurance, housing, living costs and even free mental health therapy. So I would not go into a state of desperation just because I have fallen on financially hard times. Personally, I am all for socialist democracy. I would rather give up half of my paycheck and never have to worry about having third-world, stone-age survival inconveniences because unconditional greed is considered to be a good thing for some reason... But most people barely know the difference between socialism and communism and they associate anything which might implicate fairness and sharing as communist (I am against communism. Because it provably has never worked).

What investment do you really think is worth it today to look into that can guarantee a return? It is now as of bitcoin is more preferably better than all the available options, I don't think if anyone have invested any of the investments exclusive of bitcoin that has made a remarkable profit, it has been loses from different angles, we need more good investment securities because these ones are not making sense again.

We live in a consumer society, we are constantly told that we need to buy something else, one more thing, but do we really need it, or is advertising influencing us when we want to buy something we can do without.

I believe that it is more important to gain freedom than to gain all the things we can do without. At least until you have created savings that will allow you to feel secure, and then perhaps you can rethink something and look at it from a different perspective.

No doubt that Bitcoin is one of the best investments in these times. It may not guarantee a return in a short period of time but if you're going to look at its return for the long run, it is.

Actually, many have been mentioned on this thread like the following;

• Real estate
• Business

And it's not just about having those investments or assets. You can also have employment that's good paying or if not, as long as it brings food to your family's table. That's what matters on these days when everyone is struggling and having a hard time beating up the inflation and are just in the recovery period of their life statuses.

The thing is, some people earn enough to be able to manage through inflation because they know they have been spending way more than they had to and they can cut down those expenses to manage within inflation and when the prices are going constantly up. However, if someone isn't earning enough and they have barely been managing and inflation hits them hard all of a sudden, that is when they start to feel extreme economic pressure in these times.

So, economic pressure will always haunt those the most and they also won't have any savings or anything so that they can spend that money when the times are difficult and then save more when they become a bit stable because they have already been earning a below average income.

Well, I think financial security is also very necessary in investing, especially in the world of digital currencies, for example BTC, along with various other aspects of financial planning, as @Antotena said, because we are also just ordinary people who do not have the power to see the future.

What you are saying is that fulfillment is the main thing and it is natural for you to say that because what must come first is fulfilling the minimum basic needs in the family, food must be prioritized regardless of whatever conditions are occurring. We can still endure hunger for 1 day without food and only consume water, but our children may not be able to.

The economic pressure, inflation, and financial hardships of low-income people are far more complex. Your comment only scratches the surface of economics and human behaviour. Inflation affects purchasing power, investment decisions, and economic stability throughout the economy. Is it foolish to think people can “cut down” costs to manage inflation? The structural failing that causes economic inequities must be addressed, not just cutting back. A "solution" to a deep-rooted problem is to “save more” when things stabilise. Economic pressure doesn't merely "haunt" - it stifles, suppresses, and oppresses specific groups. To fully understand such issues, economic theories and human behavioural research must be studied

Been there and done that, it's a real situation that many are dealing with. Like we can survive and that's true since we're adults but we can't attain this survival the same goes for the younger ones that we have, especially toddlers. It's understandable that someone can't invest with those when he's focusing on providing food for his family. Many are in that situation but, there can also be some ways of doing things on your own if you want to invest. There is no need in sacrificing the budgeting part but, what you need to sacrifice is to add extra effort for you to earn more with another source of income.

The situation in the country is now very bad, the price of every thing is increasing at double rate.  The whole world is facing this problem since the COVID-19.  Financial stress is currently being felt by individuals all over the world.  Inflation and economic problems of the country are having a negative impact on the standard of living of the people in general.  Every human being is now fighting for survival. I personally invest bitcoins in business as well as trading sector to continue financial growth.

A must thing to be done but this isnt something that you could really be able to attain so easily. It might really that sounds easy but the truth is that due to competition and lack of opportunities then for sure it would really
be just that so hard on getting some extra jobs or having those extra income on which you could really be able to get. If it was easy on the first place then tons of people or most of us wouldnt really be facing
any tough challenges in our life but we are totally seeing the different thing. For those who do struggle then for sure they are really that thinking on having those additional income source but since to those common
factors then it isnt something that so easy on doing so and this is why we do really need to have those sacrifices.Yes, its not really that something that we do like to happen but since we dont really have no choice
then it would really be just that so sad that we would really be needing to do it for us to survive. If we do really need up to survive then adjustments should really be made.

They say when the going gets tough, the tough get going...

You are not alone buddy, when life gives you lemons make lemonade out of it...things might look like they have reached breaking point but trust me there is always an explored option and keep your head held up high and the breakthrough is bound to happen...if you have family around try reach out to them as this is at chip at your disposal while you look  for proper housing and other resources to help you get things together.

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I agree with you!

Reliance on one source of income does put financial stress on you as you can do so little yet demands are high, and the only counter measure is to introduce more streams of income to cushion all this pressure on ones pocket!

Not all side hustles affect the real job, but it all depends on how the person handles both jobs and decides for themselves if they will allow the job they took as a side hustle to affect their real job. There are people who are employees of a job that they are only working five hours per day, and they could still get an extra job as a side hustle, which they can work for an extra four hours before they close for that day. Some hustles could also be an online job that doesn't really take their full attention off of their real job. In terms of crypto, like you said, some people too are trading after they are off from work. Although they might still lose on the trades, they'll always get some profits too.

Since Corona came, prices of everything have increased. In my country, when Corona Show up, we have been bathing in salt times so we can avoid being affected. Since then, it has been extremely difficult for the poor to survive because of the high cost of living. However, no matter how bad the economy is, I believe there would still be a house worth the amount you are planning to buy. I don't know your economy but is it that hard to have accommodations? Over 6 months now i guess you were not looking around and look for it. As you decided to settle down,it was a nice i idea because economy is getting worst day by day.

Since the insurgency of the pandemic  everything else concerning financial stability have derailed and yes everything keeps rising and making it unbearable for many who can't  afford any of their needs and wants.

I can remember vividly how everyone have to live from spoon to mouth just to survive during the pandemic.but after which we presume everything would be better but now the worse and it keeps unfolding.

We can really come out of this financial mess and stress if we indulge ourselves  in  alot of things that's keeping us busy,earning us a living than  rather being idle.
Because the nation and the people in it only becomes better and survive if they have a source of livelihood.

I'm stressed but I try not to think about it. So far I'm not in debt, so there's nobody coming after me. Worst case scenario I won't be able to buy the things I want, travel to places I want and have fun as much as I want. I have enough money saved up to have food and shelter for years and things will get better in a decade. I don't we'll be in this post-covid situation OP is talking about for more than a year.

Then there's hope that bitcoin gives me. Even when I feel like I have no money, I know that I still have a lot saved up in bitcoin and the upcoming halving puts a smile on my face every time.

In the time we are facing now, Bitcoin is not the only thing that can give us a return that is good. There is also something else in traditional business; even if it is only a small business, it can be grown as long as you are hardworking and patient and know how to manage the business correctly. you want at this time.

Bitcoin is actually good for long-term investors who just have to wait and hold it until the bull run arrives before selling it. This is the beauty of Bitcoin, which is why it attracts other investors as well. Even though there is risk, it depends on you, of course.

You need to allow yourself to learn more about the business and anticipate all the possible impacts a single mistake can harm you
with your investment, you need to allow yourself to be more productive and not just stagnant and just waiting for the outcome,

Extra efforts to learn and execute those learnings to make sure that it will help, financial stress is always present you just need to have
that ways to escape and not to let that stress to dominate but more on being productive to help yourself, either in business
or whatever investment you participate with your money.

The problem is that the life we live now is increasingly worsening economic conditions and it is quite difficult for us to get a decent job if we don't have the skills. An ideal life that can fulfill daily needs is sufficient for some people because not everyone can achieve a luxurious lifestyle. Without work we cannot provide for our families and this is caused by the economic chaos we are facing and the unemployment rate is also increasing every day. Crime also increases when people cannot earn money for their needs because people can no longer think clearly when their lives become increasingly chaotic.

Even if they are not better than the IT and technology sectors, at least they can make money even if the income is small. For me it is better to earn a small amount of money in a stable manner than not earning anything and in my area this kind of work is still a part of being able to meet the needs of people who have not so big responsibilities.

The main concern is that technology is advancing at a very rapid pace, going to college and getting a degree won't cut it anymore. You need to constantly be advancing your skills and keep on acquiring new knowledge. With that being said, it's quite stressful to think that we're easily replaceable. I studied economics and IT isn't exactly my field. Statistics is my strong point so I'm considering to be invested into data analysis, an advancing sector which is also usually offered remotely.
You're lucky, they wouldn't even bother if you die of hunger here, not to mention how many casualties have been caused by government ignorance and corruption. My main question is why people ignore such situations and vote for them again. I don't think that any political party is going to save us, but the current one is a complete nightmare.

You wont panic if you do have that kind of knowledge and experience towards the things that you are dealing with or something that you had already mold up some back up plans because you do know that you are
really that prepared on the time that problems do happen. We know that problems or challenges in life is something that it is really that inevitable which therefore we should really be having that kind of back up plan so that we would really be able to handle up such situation without really that wrecking ourselves or really that ending up on whining and crying. It is really just that very common about financial problem nowadays considering that economy becomes worst as years passing by plus with those inflations and other correlated things becomes even more severe.

This is why it would really be that ideal that you should have multiple income sources rather  than on focusing one. Spending on needs and expenses would definitely be that affect you out so badly
and if you dont like on being shorted when it comes to budget or you do find out that its already not that enough then it would really be just that right on what are the things that you must do.

Yes in business or real life one needs to set up a reserve balance,  this way When challenges happen along the line,  you have something to fall back on and that way it will make the impact of the challenges to be less on you and won't take away from you capital as a business person,  or pushing you into debt just to pass through such challenging phase on the long run,  and more also having multiple sources of income os another great way to keep yourself prepared ahead for any possible financial problem that may come along your way.

Having financial freedom and independence go a long way to how one survives through any economic situation and what the impact of such will be on the financial well-being of that individual.

When our economy is good or fine, that's where our financial stress actually begins, I mean how conscious we are to prepare for something difficult that might happen to us. What usually happens is that when we are in a good economy we forget that it won't last forever, yes I say this based on my personal experience. In the end we will be stunned and regret why we didn't realize and prepare well for the future.
For me, apart from the economy, we must also pay attention to health, because how many people end up having to suffer because of their health problems. We really need to pay attention to things like this too.

Qualities only to get a degree is not enough because if someone does not have skills will make it difficult for them to survive. Any work sector requires skills to make us calculated and technology that has been developed many things that can be utilized to make money, depending on the skills we have as supporters. Whatever fields are controlled can make money, but we must dare to take the risk of implementing it.

I prefer the economic field as a runway to make money and there are many small businesses that I have built even though many have failed. What makes me like the economic field because we can become the owner of my own business even though the scope of the business that we build is still relatively small and I am typical of people who do not like dictated so that working in its own way is much more comfortable.

Reserve funds and emergency funds are really needed when doing business or dealing with our financial pressures. Business profits should not be used for personal needs, use this as our reserve fund in business. Meanwhile, the emergency fund is the financial foundation and debt is also the main thing that must be paid so that the interest does not increase and after the debt is paid off, the emergency fund needs to be replenished.

That's right, to keep our finances stable we must have many sources of income. Moreover, looking for additional money in this era is very easy, like business in today's digital era is very easy because without capital and without having a place of business or even products and services, we can do closing sales or marketing, namely selling or marketing people's goods and services. people who run businesses.
For example, you can promote your friends, relatives or traders in the market by becoming a delivery courier as an excess wage/profit.


Everyone wants to have financial freedom so they can survive in any condition. To achieve this we must be able to manage the time to work hard while there is an opportunity because nothing is impossible if there is a will. Work hard on business and investments. Just like iron, which can easily be bent or shaped when it is hot and red, this is how important motivation and inspiration are, which will make us passionately hot so we can go all out in taking action to achieve financial freedom in the future.

Good point on this one. No matter how flashy our CV is, especially with our background in education, if the skills we have don't fit the required skills that the company and role are seeking then it will still not be enough for us to get hired. Skills are essential in finding work or even just starting our own career journey to be professionals. Having various skills gives such an advantage especially since competition is everywhere.

but honestly having degree is just as important as having skills, otherwise you won't even get noticed by the HR.
its just how it is, there's reason why everyone is getting degree, not because its just fancy certificate to have, but because HR in company selects based on latest education.
and to show some skills are done after the you got accepted into the company, getting accepted is the difficult thing.
though its different in IT field where usually you gonna have job interview first hand that test out your technical skills.

In developing countries, some companies may ask for a diploma to apply for a job and the higher the education we have, the more likely we are to get a good job. This is different from developed countries, they are more likely to look at individual skills before accepting a job. However, skills and abilities are important to make it easier for us to find work, even though the work is not in an office where we have to stay at regular working like hours.

If you work in an office, it may be true that skills and degrees are equally important, but if you work in the IT field, perhaps skills are the main thing you look at. Differences in needs are adjusted and if the target is to work in an office, a degree/diploma is very necessary as a requirement. But nowadays there are many jobs that require skills even though our education is not high.

Attaining some degree to a specific course it's more like honing your skills. You wouldn't get that diploma without passing an exam, which determine if you are qualify to graduate. Knowing that you passed and graduated when you apply for a jobs, for sure companies would prefer employees that have educational background especially if the position you're taking requires knowledge and skills, that some would be needing years to achieve. Well, in work there's always a training days so you would be familiar on how things work in your job it's like a demo, so they could observe if you're fit to the role. And interviews leave impression to the HR so you'll have to be prepared for random questions.

This depends on the country you are. Finance stress can be control if you study your environment and understand what could be done to increase income and minimize spendings.

Not only that, I think it's within the understanding of what kind of life you want to live and work towards it. Struggles would also the sacrifices. In the meantime, you might not be able to get what you want or the things you are craving but you use your time, money, and assets to build a legacy, a business, or any money-making skill to develop yourself and be ready for the wealth you want to accumulate.

You will struggle because you have to make ends meet, buy the thing you wanted to buy, appliances, save, and invest.

I'm currently still in school and in about 2 years I'll graduate, seeing the difficult economic situation in my country and the news about unemployment of course makes me ready to start my own business, currently I'm also looking for income from the internet by selling online and I think the results are satisfactory, and Facing a difficult economic situation, of course we must always be creative and dare to try.

First of all, good for you! It's always nice to have a plan and a strategy to get you started. I suggest taking up more skills and developing any skills that you already have so you can take advantage of them when you want to have more channels to get income from.

Preparing yourself to start a business will be much better than just relying on the education you have completed because currently there is no guarantee that highly educated people can get the job they want. For now, if we are creative, we can get income from anywhere, but if we don't do anything, it will be very unlikely that we will be able to have an income and be able to meet our needs.

Some companies may emphasize a diploma as a requirement for applying for a job because they create training courses when new employees are hired and without the required diploma the job is not ours. Companies have their own criteria for accepting new employees and if certain positions are being applied for, there are times when without a diploma we cannot apply. Education is not a place to hone skills because we learn about theory, unless you go to vocational school which focuses more on practice. Education is indeed a place to study, but it may not necessarily provide someone with a decent job.

Apart from diplomas, skills and experience are three things that many companies look for when recruiting new employees. That's why there are many people in the area where I live who don't work at companies because they don't fit the criteria they are looking for. On the other hand, we prefer to build our own business, even though it is small, because we don't need a diploma to develop it.

I relieve financial stress by trying to plan and budget as far ahead as possible. Knowing how your money is being spent, at least roughly, is essential to a brighter future because chaos will breed erratic behavior. Having a bit of flex and buffer in the budget also helps too, so you're not too strict with your spending which can take away a lot of the fun in life. You also need to be poised to take advantage of certain situations, like special offers or even deals which can pop up out of nowhere but offer a lot of benefit. Being careful with your day to day spending is super important, as one or two wasteful spending activities day to day - like expensive takeaway coffee - can eat up a lot of cash which may be better to invest elsewhere.

Proper planning and proper management and set out back up plans. These are the things which you would really be needing into because if you do find yourself that being impulsive on a certain situation then it does signifies that you arent that really get prepared for that or you arent aware of the probabilities could happen. Living in a world like this which does involved that financial stress because we are on day to day spending and needing to deal with those expenses that we could have and this is why on the time that you do see some shortage because of unexpected situations and turns out that you dont have that financial back up plans
then this is the time that you would really be starting to freak out.

Handling out yourself in regarding into this moment is never been simple. You would really be that simply get irritated just because you are stressed and really on panic specially if you do know that finding up some financial
backups is never been simple. We know that every problem does have its own solutions and this is what we do really start on trying out to assess and look up for possible solutions
and make things everything all right or back on track. Challenges in life is inevitable but doesnt mean that you should just simply surrender.

When it comes to financial matters, many people want it because they need it in their daily lives. Especially if they have a lot of bills to pay. A lot of money feels good, but it can also cause stress for most people. Because they lack a source that they can source from.

Even if they have a lot of money, it still causes stress for rich people because they think that there might be bad people waiting for them, the kind that don't have peace of mind. Also, it's really stressful when you know you need to pay your electricity bills because if you can't pay, the electricity will be cut off for sure, and if you can't buy food, the family will really starve, so it's really important to be able to help people these days.

In where I come from, you are likely to see a whole lot of unemployed graduates all over the streets, and as such I totally with you that starting a business or getting a skill is far more better than just relying on mare educational certificate, as gone are those days when certificates was given a high prestige, unlike today that the reverse is the case. So on that note, the best way to deal with financial stress is to look for a high demand skill, learn and start working either online or offline.

In a situation like this, all you can hold onto is some hope and positivity in life. Everything in life is temporary so if you are struggling these days, don’t worry too much because it will definitely change later on. But for that to happen, you also need to work still and invest if you can. Good thing there’s bitcoin that is putting a smile in our face every time its value create some progress. The pandemic really hit us hard, but don’t let ourselves stuck with it, work and do some side hustles that will increase our income instead.

Anyone who is fighting for survival need to make things right for him self first before thinking about adopting bitcoin you can’t use the money that you need to use and settle few needs at your disposal to buy bitcoin, what do you want to use for survival, we need to look for ways of earning keeping our business in good shape then we can move further to invest in bitcoin.

Bitcoin is a global currency but a country with bad economy need more than just bitcoin for it to pull of from that bad economy they need set up a working policy which can make them meet up in areas which they are backsliding due to the COVID-19, if they have a working policy and their economy is at place they can then add bitcoin as an alternative option to defeat inflation a little.

  Before anyone will think of investing into Bitcoin he/she should consider having steady stream of income if not one but two or more so that he/she can have some savings for him or her selves. Bitcoin  investment should be for the long run and not a one month period of time thing. To tackle the current financial crisis we have in our Country you need to have 3 or more streams of income. These things you’re involving should be something that brings in steady income so that you can meet up with your needs and have some for your savings as well. Covid-19 era brought the idea of working from home, with this one can can work remotely from the comfort of their home and still be productive and make a good living with it.  With that you can have time for other things and interest of your choice.
  To deal with financial stress, you just need to have good and well managed multiple streams of income, with that you can save and have capital to step into Bitcoin which is also a lucrative investment. It’s is good and advisable to start with a good capital if you want to make it in the  bitcoin investment. This is because of how high volatile the price of bitcoin is and without good capital you will end up liquidating your portfolio. Bitcoin is not going anywhere likewise is it too late to step in. You gotta be over prepared for the opportunity you are long overdue for. Either that or you’re simply not ready.

Patience and not giving up is the key. Many people have experienced it so you are not alone. They are still patient and keep trying even if they look tired. The way to stay optimistic is to believe that every day we live will get better until we can get a better life. No need to feel sad because we've been through the hard way. Now, we're given a new hope after pandemic ends so we must try with harder than before.

Bitcoin is not an internet magic money on which some newbies or new people do jump into Bitcoin or crypto investment because of having this kind of belief in mind,without even trying out to realize
that it wasnt really that possible for you to save up your finances on just having that crypto investment even if we do say that you are accumulating Bitcoin. Nothing beats out if you do have that multiple income source then this is what you should really be having in mind or really that in concern. You should not really be that having those false beliefs about crypto investing so that you wont really be expecting on something which it isnt really that even that possible.

Financial stress is that what we do mainly been that facing today specially into those people who are really just that earning sufficient on their daily needs but with the economic
situation which it do becomes that fell short and this is where we do really face up those struggles on which it is really that something that we must really be finding
out solutions and this is why we do really need to find ways on making money or having other sources.

but we also need to do something different in order to improve not just patient because after all life not to go on, so if we can be comfortable why not, through all the hard work we might make it.
when hardwork finally pays off then at least we don't have to be stressed by finance condition again, because we can't lie that the stress is mentally exhausting and doesn't matter how optimistic we are, we would always have some thoughts about this, therefore escaping financial crisis is the way.

Hard work will create the same stress, yes, you will not have financial problems while you work, but you will not be able to work for a long time at a hard job, it will not only take away your physical strength, but perhaps also exhaust you emotionally. Ultimately, you will tend to change jobs, even if it brings you less income. If we lack money, we will always experience stress, I’m not sure that this can be avoided somehow, we must always have savings to prevent this.

This is where mental health comes into play, we only stay in comfortable conditions and don't dare to leave that zone, so when we are faced with tougher life challenges it will stress us out and we don't have a solution to get out of the pressure. Life is not always comfortable and neither is work that requires us to develop and do new things. Because that way, gradually our mentality will be formed into a strong person. So it's just a matter of deciding to dare to change towards better finances or to put up with monotonous conditions and not find yourself able to compete with other people.

It is very difficult to have a comprehensive balance in life, if we want a lot of money, we need to work hard and accept the sacrifice of our health. If we have less income then we will also be stressed, in my opinion, this is worse when we have to work hard.

I'm also very stressed because of my workload and everything related to my family. But I think I can endure it, but without money I think my life would be even worse because everything requires money to solve. I don't think there is any solution to help us avoid the pressures in life other than living with and adapting to them.

I can actually relate to you, but in my case back then, I was a working student since I want provide my needs without asking for my parents since we moved twice due to pandemic. It's actually stressful as you are tired working then after working you will go to class like your brian is not functioning well due to your body wants to rest. And whenever I'm gonna get paid, that's the reason why I still managed that lifestyle. Yes I've graduated and now can focus on one thing which is to make money, where I also put crypto or Bitcoin since at pandemic days. I have a lot of free time to use so gave a lot of time to invest and trade. Sometimes it's okay to be not okay, but if it's on the point you really want to give up, you"ll have to sacrifice one, cause you can't do both.

That's right, in the matter of management, they will not be able to do it completely well, there must be some factors that can make them violate the things they initially set. Of course, it's a very common statement that if we want to be rich or have a lot of money then we have to be a hard worker who never gets tired, never gives up and always takes advantage of various opportunities that come along. I don't think there is life without trials, life is very hard and if you look weak then you will not be able to balance your own life.

Basically, the problems that come are not always about money, or lack of economy but other factors can also be a problem, such as problems in the family or a very heavy burden at work like you are experiencing this friend. Haha that's right, nowadays there is nothing that doesn't require money, even you have to pay to pee in public places. So this is life, if you can't balance everything then you yourself will be a victim of the harshness of life.

It is not just bad but getting worse everyday, people are really struggling to survive.  The least thing one can buy right now is even more than a dollar, I mean the the least thing you can think about talk much about basic things like food and other things. This is critical period that one needs to take note on how they spend money, it will be very shocking that money is being spend unnecessary their won't be any money left at hand . This period their is no need to crave for designers wears , hangouts that requires much money. Every life style needs to be cut short to meet up the hard economy .

Business is definitely a good decision for you, education is purely for yourself, the knowledge you gain from studying will be useful in every moment of your future journey. You're different than others because where others sit for a job after graduation or spend half their life chasing after a job, you decide two years before graduation that you're going to be in business. It's a very good decision for you, suppose you get your graduation degree and after graduation you get a good job but what is the guarantee of that job? What do you do any time you lose your job, or a financial crisis affects your company? Whether you are employed or not, you must think of an alternative arrangement so that you get good financial support from this business in case of financial crisis in the future. Best wishes for your new business.

Things are really getting worse these days and the works that pays before are no more paying again because because the economy meltdown that we are now. Sometimes we keep applying for the kid of job that we really want but we don't get them not because we are not serious or we don't have what is takes but connection had been the order of the day. Many people get job because they know plenty people and they have friends that are in high position that can get them contracts and jobs that they might not even have the degree to execute that kind of job.

I don’t think financial stress control depends on country, I see it as something which one need to control him self about it and also looking for a way to cut down its expenses to fit in his earnings amount when one want to live above his salary that’s what usually increase the stress.

We know the price of things are high and salaries are not being increased to fit in how things are being priced, so one can just cut down things that they don’t really need at a particular moment and solve those things first base on what they have at hand and don’t allow what they can’t afford for them self to bother them, when we start to think about things that we can’t afford that’s what usually give us some kind of unstable mental health.

Not all people would really be ending up on having that kind of mindset on which they would really be assuming for whatever possible future events that could happen ahead.If you do try to look up closely or indepth that both things or scenarios does have their own risks factor on which even if you do find yourself engaging with some business venture or similar then we know that there's always a chance for failure or error on which it would really be causing that loss of money at the same time you would really be losing your confidence on pursuing such dream or target. This is why it would really be that situational basing up on someones aims and goals in life because not all would really be risks takers and not all would really be that prepared for those danger of the actions that they would really be making.

Dealing up with stress isnt that easy even myself i could say that im really that good on handling out stress but on the time that it do really reach out that limit then you would really be that having those
kind of moments on which you dont really know on what to do. You do just simply sit still and thinking up on nowhere but most of the time on times that i do experience this then i do
simply find out some activities on which it would really be distracting me on thinking up problems.

In times like now, we really have to be clever at managing our finances so that when a disaster like Covid occurs a few years ago, our financial pressure is not so bad. One of them is that we have to hone our skills by utilizing existing media.

Unemployment does not only occur in your country, perhaps in all countries there are many people who are unemployed even though they have a diploma, especially with the pandemic, many employees have been laid off. Indeed, school is important to become smart, competency training is also important for work. A diploma and competency certificate are both required. That's the skill that's needed. The proof is that small entrepreneurs without a diploma can be successful all because of the skills and abilities they have. So I agree with you, it is important to develop skills in today's era where it is very easy to get on the internet.

How do we get patient with life? Especially in this dispensation when everything seems to have sky rocketed, life is been lived on the fast lane, making money as well and trying to live patiently for a best time is something you would have a had time doing.

Hard times calls for different measures and means to archive a goal. Even in the pandemic there were windows of opportunities it came with for making money. Food items became expensive and sanitary items where a priority which and the market on these where pushed up and it created an online awareness for every one with the stay at home culture it came with.

Away for a military tour huh! That’s a good one and thank you to have been there for the rest of us and making society a peaceful place to live.

Rather than worry, look for solutions to improve your current predicament, it would serve you more than just worrying!

too bad the luxury goods are still selling like a hot cakes.
the money aren't circulating to the middle class and lower, its circulating among the riches, but thats on its own is fine as long as they pay taxes. the thing is that, the price of the goods and its increase just doesn't really get followed up by the people salaries, its hardly rising while sometime the inflation itself increase more than the salary.
basically decreasing the purchasing power over the year.
thats just how it is with current economy, one needs to have 2 jobs to survive.

We really have to have other income to be able to survive in an era like today, and this not only changes economic conditions, but what I feel also changes the civilization that occurs around my environment, because I live in a rural area. where it seems that everyone is starting to be individualistic because they are busy making money, where it is very rare to see neighbors chatting casually with each other, as if 24 hours in a day feels like there is not enough time to carry out activities to make money to fulfill their lives, it will be more difficult for those who have a high lifestyle but it doesn't match their income

Upper class people are not affected by inflation. But for some who are middle class or lower middle class, life has become miserable. Low income people are the most affected by inflation, especially those who do fixed salary jobs, which does not affect a businessman because if the price of goods increases, he determines the additional cost of his goods. There is no way out of this situation. But if everyone is aware, we should reduce our expenses as much as possible. But then this problem will not be solved until we can increase our income. Every person must focus on increasing income otherwise it will be difficult to live normally in this age.

I think I understand you on this. Because I also feel that nowadays people are becoming much more individualistic. Previously this happened in urban areas but now it seems the same in rural areas. Everyone is becoming busier in looking for additional income. So after work they just rest for a while and then immediately do side work. This right indeed indicates that the main job is no longer sufficient for a person's monthly needs. So it is natural that nowadays people are starting to become busier at work and no longer have free time to chat casually with their neighbors. But in several villages that focus on agriculture, the sense of individualism is still not felt. Maybe because they only focus on agricultural work and after returning from the garden they have free time.

When you are not financially stable and are using different sources to support yourself,So in such a case you will have a lack of time due to which you will not have time to meet with your neighbors, your relatives and the people around you.It cannot be called individualism, but a servant may be forced to work from morning to evening to meet his expenses.

Most of the people can't spare time due to their busy schedule, but today's people don't have relationships with people around them even if they are not busy. Ever since the age of internet and computer, every man has become limited to himself. I have often seen people sitting in a place where everyone seems to be busy with their mobile phones instead of chatting with each other. Gone are the days when neighbors used to sit next to each other, now neighbors have been replaced by mobiles.

But what I want to ask is how to balance life these days? Because not only me but everyone around me has their own problems in life and is always in a state of stress. I have never seen anyone truly have a balanced life, even retirees have to worry about many things or even rich people have their own difficulties. It sounds easy to say, but I don't believe anyone can balance life in a time when things are getting worse. By the way, how did you achieve balance in life?

Stress comes constantly, everyone is under pressure of making it everyday as life gets harder and prices goes higher. However, we have to find a way to navigate through it. If we let stress get the best of us then we'll just be the one on the losing end. We have to have the grit to push through and refocus ourselves, remind ourselves what the goal is and find the best way to survive. Achieving balance in life doesn't necessarily mean you will have no problems or will never face any stressful situation, instead it means you'll have the capabilitiy to face those situations and make it out alive.

While reading the op, I felt like OP mirrored my life and decided to talk about it, Unfortunately, it is not just me, or the OP, financial stress is something a lot of people all around the world are currently going through, sometimes, i feel the world is gradually collapsing in our very eyes.

Nigeria is my country, and i have never seen my country in such a very bad shape as it currently is economically, everything is on the up side, schools fees, water bills, electricity bills, cooking gas, petrol, etc, every thing is raising in their prices as each day breaks.

But fortunate enough, just as the op said, this forum and bitcoin have been really helpful in terms of providing us an alternative source of income, but most of the time, i just cant help but think how those outside this forum, and without jobs are managing to cope with this current economic and financial crises the whole world is facing.

That's what I was trying to say in the previous comment, there is no way we can have a life without stress and anxiety. The only thing we can do is adapt to everything and always find a way to overcome every situation. I have never tried to avoid it, but instead I consider pressure and difficulties as part of my life and I will live with it every day. Life is inherently not easy and it will be even more difficult if we want to achieve wealth, want to achieve things that others do not have.

Its also necessary to stay out of debt.Debt affects more than just our financial well-being,having money problems can also affect our physical and emotional health, which is why it’s important that we understand how to deal with debt stress.Everyone can be under pressure,and been in a debt can actually be one of a kind since been in a debt is also a stressful situation.

Having a lot of debt will certainly make us depressed because when it is due we have to pay the loan we have lent and it will be very difficult if the income we have is not enough to be able to pay off the loan because we have borrowed too much, so it would be better for us to be able to manage our expenses. according to the income we have and don't let us not manage our expenses so we use our income on things we don't really need so we have to look for loans to be able to meet the needs we need.

It's not about the debt that gives us stress, it's about how we manage our finances. It's not necessary that having a debt means always paying interest. There are some debts known as good debts where we can use the borrowed money to make more money. The key is to manage our finances properly and use the debts wisely.

I agree with this if we could manage our finances properly then we wouldn't have any problems at all, the problem with debt is most of the people borrow to spend for the day or survive the current situation, but if they would borrow money then why not make it to survive for a long term use it to earn, and not just to survive the day.
Think about how you could use that money to earn it back not just to spend it all.

I think the stress for virtually all groups comes from the fact that the world is undergoing unprecedented change, which is happening at an ever faster pace. There is one crisis after another and you get the feeling that there are no more breaks. There used to be many crises in the last 100 years, but society usually had several years in between to recover. It no longer feels that way, and many people feels and suspects that the next crisis (of whatever kind, war, economic downturn, next pandemic, etc.) is just around the corner.

In the case that you do have tons of source of income on which it could be able to compensate on whatever shortage that you would have on a particular situation but we know that not all people would really be
having that kind of capability or capacity when it  comes to this kind of situation on which we know that there's no way that you could be able to make yourself to be on that status. This is why people would really be having those kind of conditions or circumstances in life on which you would really be needing up to take up some loan specially if your savings or emergency funds has been depleted out. No one would really be able to
avoid such condition specially that they are in need on which taking up some loan or borrowing money.

Handling stress? We do know that each person is different when it comes to intellectual and emotional aspect on which we do know that
control and management would really that differ into each other with each person.

having a lot of forests in my opinion can be a pressure on our thinking, especially if we ourselves do not have a clear income but have a lot of debt, in my opinion it will create problems and as you say it can affect our health as well as worse it might have an impact on our mentality because I think there  have been and maybe many cases of people who are mentally damaged so that they experience mental disorders because of the pressure they experience a lot including by having a lot of debt because obviously it will put pressure on the health of our thinking.

In my opinion, if you really don't have money and income, please don't take action to get into debt, because with a situation that doesn't have money and doesn't have income it can only add to the problem if you really don't have money and don't have income then you should be able to find a job that can produce, even though finding a job is currently difficult but I think by utilizing current technological advances, many things can be done including by utilizing current technology that is developing.

right on the spot here, every changing year there appear to be also changing of problems, from pandemic to war to economic crises to housing crises we literally just getting faced with problems one after another meanwhile our purchasing power also depleting its kinda ridiculous though we literally need to do much more these days to obtain something that are easily obtained in the past back then working as an ordinary employee people can afford a house by just working for 5 years right now its crazy, not even 30 years of working and paying mortgage would suffice not to mention if we faced some financial crisis along the way while our house hasn't been paid off it has the risk of being seized but alas what can we do the only thing we can do is just keep working and working our asses off maybe one day we might stumble upon some good life turning moments.

While I may not be the most optimistic person, I'm taking charge of my future by focusing on what I can control. Instead of dwelling on anxieties, I'm investing in myself by learning IT skills that open doors to remote work opportunities. I understand I can't control the demand or hiring decisions, but I know that upskilling myself increases my value and marketability. This way, when opportunities arise, I'll be ready!

With rising living costs and stagnant salaries, it's important to be smart with our resources. We can minimize expenses by choosing public transport or walking instead of motorcycles, and finding affordable food alternatives that offer the same nutritional value. Additionally, dedicating time to upskilling ourselves opens doors to better-paying jobs.

The economic turmoil seems like it will never subside, in the last decade the economic pressure has really been felt and has had an increasingly negative impact due to other triggers that have had an impact on economic recovery. Natural factors and war have ravaged the economy almost all over the world, health problems and the Covid 19 pandemic have also paralyzed all sectors which means that humanity can only stay in place.

Yes, now everyone is required to be ready to do something that can support their household economy. being able to meet basic needs is already very great and even more so being able to meet secondary needs. In developing countries, the government always socializes its people to be able to utilize empty land for farming in order to save the economy in the smallest sectors.

Having lot of debt can really lead to depression because every income coming you don't see what you are using money for, it just seems as if money is been wasted. Having debt is what we should learn to avoid, because it can make one from achieving good financial goals.
One of the things that make some people go into debt is because they live above their financial standards which they can only borrow money to meet up with their financial demands.  I think if we can learn how to manage our life and go for what we can afford it will really help to stay away from debt.

It is important to learn to be financially discipline if you want to stay away from debt, and to know what you really want and not going for things that won't bring any value for you but just for pleasure.  People can only avoid debt if they are discipline and understand good management of handling money , it helps to stay out from debt.

It is already a given that everyone has their own unique ways of coping with stress. However, some individuals seek guidance and advice from others in order to improve and learn how to manage their stress effectively.

I think you needed to breathe and calm your nerves for a while. I think I understand how you felt at the time and I can say that there was a point when I could relate. And from experience I believe that this overwhelmingness comes from when you have too many things going on at the same time.

If you see that your Economics degree isn’t in high demand for remote work then consider relocating to the countries where it is needed. Moving out wouldn’t be any easy, but in the end it will definitely be worth all of the stress. The world economy was really affected by COVID, so just know that you aren’t the only one who is facing these challenges.

I did the same thing as you selling online when my job or my office was closed. I had bills to pay every month even though I had no income at that time. The more I thought, the more stressed I became, so sometimes I didn't think too much about things. This is because we have to accept that when we are not well, I did what I could do, such as buying and selling online and in the end everything was fine until my financial condition improved over time.

Definitely everyone of us feels that but to a varying degree and I believe that each individual is almost unique when it comes to dealing with it, for me with that kind of stress I usually feel uneasy at times and I almost always feel the same too combine that with all the negative news around the world with all these wars, the collapsing in our very eyes is accurate as it can be, but I don't really let that feeling linger for long though, I tell myself that if I want to help even just a little dealing with it, I need to move and do something worthwhile.
It's the same with my country too and the worst part is that the people have elected an official that doesn't care about them or any of them and doesn't even know how to spend the money of the people besides lining their pockets, even the Vice president's family got a stranglehold on one of the municipalities employing ghost employees and people are so blind about the things that they're doing, they still don't want to fight back even when they're stealing the money right on their faces. Regarding the help of this forum, for me it didn't help for now because I'm still hodling on to my bitcoin hoping that it will give me a big profit in the near future but I guess I could say that it helped me not to worry too much about finances because I know that I'll be safe in the case that I need something for an emergency.

During the pandemic, this is one of the reasons why many people have problems that make their financial pressure even worse. Even many people who have businesses felt financially fine before the pandemic. But post-pandemic, money continues to be a pressure that makes them stressed. We have a lot to learn from this pandemic, even though financial pressure has now returned to normal, we must not neglect to use the pandemic several years ago as a lesson so that we are better prepared to face the same situation, perhaps not another pandemic disaster, but a global economic crisis.

what you did was right. While you have the opportunity, make the best use of your time to continue looking for additional income. Apart from that, managing your finances well, and having a money post will teach you how to be aware of all your financial decisions. Stop for a moment to celebrate something that is not important, use money for investment because this is one way to overcome financial stress in the future.

I think that time has passed and what we most need to anticipate now is inflationary turmoil where income no longer matches the goods we spend and prices increase over time. Apart from that, what adds to the burden on our minds is that if we invest, say in crypto, the wrong choice of coins that are not fundamental will have a big impact on psychology and financial governance in general.

Therefore, I suggest you have a side job, like me. I work in a coffee shop, that is my main job, and I have a side job where before or after coming home from the coffee shop or my main job, I take myself to learn the features or aspects involved with photo editing, video taking, and photography. , because it is my side job. At first I studied multimedia majoring. Therefore, I occasionally use my skills on things related to photographers.

Having a side job can be done, as long as we are the ones who can balance our time, think about how to ensure that two jobs don't clash until finally I find the right time. So I suggest you have a side job to be your own leg so you don't fall when your other leg breaks.
with what you are doing is selling online, just try to deepen it, maybe it can develop, so well that you can have your own shop or warehouse. As long as you have good discipline and self-confidence and so on, I'm sure all these things can develop, don't be afraid to fail because failure is a lesson for us.

It's hard to endure the pressure of a financial crisis. I have a wife and children, I have a stable job but there is pressure on revenue and sales according to labor productivity. My wife has a job in the medical field but was unlucky when she had an accident and broke her leg in early 2023. I had to endure great pressure, I lost a lot of weight, I became easily stressed and irritable. harshness - perhaps it is psychological and a symptom of severe stress. The family shares but time is limited due to work and distance. I also receive some financial support from relatives. I feel like my life is at a standstill, most of my living expenses are in deficit, I set aside a reserve fund to invest in crypto before, at least withdraw a little to continue taking care of my family. . I consider crypto as a corresponding source of income. Luckily, everything passed and things gradually returned to normal. Many people have difficulty in covid-19, but I think that in life, many unexpected events can happen, try to manage and make efforts to overcome them.

i understand how it feels to be in a difficult position like that, where it is quite difficult to be able to find work and earn money to cover your daily needs. personally, i am grateful that i still have a family who can help me when i am in a difficult position. they wanted to lend me money and give me food when i couldn't find a job. and this makes me more optimistic and less stressed when facing financial problems.

it's true that not everyone has a supportive family like i have, but if you have a good family like that, it's good if you go home to them and ask for help, maybe they can help you in your difficult position.

Everything haven't been easy. COVID, economic instability, and climate change are significant forces impacting lives globally. It's natural to feel anxious and stressed in such times. Accepting these challenges as real, without minimizing them, is the first step towards navigating them.

While optimism is crucial, blind positivity can feel disingenuous during difficult times. Instead, consider cultivating a more nuanced perspective. Acknowledge the hardships while recognizing your own strengths and the potential for positive change. You've served your country, adapted to new situations, and are actively seeking solutions. These are remarkable strengths to build upon.

Feeling stuck financially is understandable. While cryptocurrency and side gigs might be working for you now, consider exploring other options cautiously. Researching job openings, upskilling, or seeking financial counseling might open up new possibilities. Remember, navigating your path doesn't have to be a solo journey.

Dealing with financial street is so difficult and challenging,it affects ones overall well being and quality of life.So in order to deal with financial stress one can create a budget by tracking your income and expenses,this can be a great help, where you can cut down on expenses and save.
Also you can make a list of all the things you intend paying and pay them first.another one is to seek support , how you can spend and manage your finances, lastly.
since financial stress can affect the mental health and physical health,one needs to take care of your health always.

Yeah, it's really hard to deal with financial stress and for sure majority has experience this, so for me the way I was able to get back at might feet is,

a. try to re-invent yourself, try new business that you are not familiar but easy to setup, I think this by opening a small store and it really help me a lot during those financial times

b. you can borrow money to start some business

c. Budget, budget and budget. As we have a local saying that you really need to tighten your belt when you have financial issues

And it took me two years to get back again after losing my job and try to bring food in the table for my family and put my child in a good school. So it takes a lot of mental fortitude as well and believed in yourself, just saying.

The best way to deal with financial stress is to take a proactive approach. Start by creating a budget to track your income & expenses. Identify areas where you could cut back & save money. Prioritise your financial goals & develop a plan to achieve them. You could get professional advice from a financial planner or counsellor. Manage stress through exercise, meditation or other relaxation techniques. Try to maintain a positive mindset & focus on the actions you can take to improve your financial situation.

It can be said that I am in this terrible situation. Even though I made a lot of plans, asked for advice from others... a lot of things, but it seems that overcoming it is not as easy as many people are saying. I believe that those who find themselves in that situation will find that overcoming it is actually more difficult than many people imagine. But I must admit one thing that gives me a positive impact is exercising and participating in sports activities. I feel my stress gradually decreasing since I spent time jogging and playing badminton in the past 2 weeks. I don't know exactly if it's an effect of exercise or not but that's what I feel.