Did you click on this article out of curiosity or do you really need some help? How can we help ourselves and our families financially as gas prices rise and jobs fail? How can we get the best advice when we are stressed out and need answers? How can we better our family life? Is everything getting out of control or is it just me? This article is designed for people that are really wanting to get to the heart of their problems and get real solutions.

Write down your problems by summing them up in a few words. Why? Because by writing them down you will be able to eventually sort them out, analyze them, then prioritize them.
Example:
1. Finances.
2. Problems getting along with spouse or kids.
3. Problems paying mortgage or rent.
4. Health problems.
5. Living in fear, anxieties.
6. Stressed out.
7. No one will listen to me.
8. I am lonely.

Ok, now if you look at the list above and see one of the problems that fit exactly what you are dealing with, put it at the top of your list on paper. If it isn’t the biggest problem you are dealing with, list the biggest one first, the second biggest problem second and so on and so forth. If you can do this you have started on the road to resolution. Maybe you won’t take the time to even do this. Then forget about the rest of this article.

If you have listed your priority problems, the next thing you need to do is put the word “why?” next to each problem listed. when you are able to list why you can move on to solutions. If solutions involve something you need someone else to do, forget it. Focus on solutions you can do. Then you will get somewhere.

The biggest problems will take more time, but as you analyze them, you will be able to list possible solutions that you can try. For instance, if finances are the biggest issue, you may need to take one thing at a time. Write down possible things that will help. Can I lower my utility bills? Can I lower my car payment or eliminate it? Can I lower my food bill etc. etc.

Now, you will need to write up a plan for each item. Using our example of finances, your plan might read:
1. Finances. Why? …Payments are higher than income. Lost job. Unexpected bills.

1a. Possible solutions:
Can I lower my utility bills? Can I lower the amount I pay for gas in the car each month? Can I take on another job? Can I lower my mortgage? Can I calculate my income versus my payments and see how I can make some changes? Can I arrange a special payment plan?

1b. Plan of action:
Call alternate utility companies that lower my bills.
Spend X amount of time taking a job that may be different or less pay until I find what I am looking for. Call credit card companies. Check on value of car. Calculate cost of gas each month. Calculate savings by more fuel efficient car. Get coupons printed from on-line resource or newspaper for groceries. Sit down and discuss with family.

1c. Write down your results for each plan of action you listed. When you see some positive results in your plan, you can continue to use the same formula for finding more solutions.

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