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Healthy Minds

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Getting Through Tough Times

Everyone needs help when life gets challenging. Browse through our series of 17 fact sheets by Sharon M. Danes, Extension Specialist and Professor in the Department of Family Social Science.

Getting Help | Financial Decisions with Less | Dealing with Stress | How to Do More with Less | Children and Tough Times


Featured Resources

Controlling Stress

Read or listen for tips on taking care of yourself. English | Spanish

Setting Spending Priorities

Listen and learn how a spending plan can help you pay your bills. English | español

Getting Help

Community Agencies That Can Help — This fact sheet describes many of these agencies and includes contact information. Part of the Getting Through Tough Times series.

Looking for a Job — The more effort and time you put into exploring the job market, the more likely you will be able to get a job. Part of the Getting Through Tough Times series.

Financial Decisions with Less

Keeping a Roof Overhead — When family income drops, careful planning can help you avoid eviction from your rental unit or the loss of your house. Part of the Getting Through Tough Times series.

Bartering — Swapping resources with others is a time-tested way to stay in control when money is tight. Part of the Getting Through Tough Times series.

Meeting Your Insurance Needs — Insurance is the primary way you protect yourself against financial loss caused by illness, accidents and other destructive or damaging events. Part of the Getting Through Tough Times series. English | español

Deciding Which Bills to Pay First — Guide to prioritizing your bill paying and spending habits. Part of the Getting Through Tough Times series.

Dealing with Stress

Communicating Under Pressure — During stressful times, it is easy to experience misunderstandings that sometimes result in adding more stress to the situation. Part of the Getting Through Tough Times series.

Controlling Stress — Get tips for taking care of yourself and knowing when to seek help. Part of the Getting Through Tough Times series. English | español

  • Listen to the related audio: Controlling Stress audio English | español.

Identifying Sources of Support and Friendship — Tough times go a little more smoothly when you have the support of family and friends. Part of the Getting Through Tough Times series.

How to Do More with Less

Stretching Your Food Dollar — Grocery shopping can be a real challenge, especially if you are on a limited budget. Part of the Getting Through Tough Times series. English | español

  • Listen to the related audio: Stretching Your Food Dollar audio English | español.

Setting Spending Priorities — You'll need to develop a spending plan to help you pay your bills if your income is reduced. Part of the Getting Through Tough Times series. English | español

Strategies for Spending Less — When your family faces reduced income, take immediate action to stop all excess spending. Part of the Getting Through Tough Times series.

Talking With Creditors — Reduce your chances of being harassed by creditors or collection agencies by working out solutions for debt repayment early. Part of the Getting Through Tough Times series.

Making the Most of What You Have — Look at your total financial picture and determine which assets you might use to meet family obligations. Part of the Getting Through Tough Times series.

Children and Tough Times

How You Can Help Mom or Dad — Ways you can help your family during difficult financial times. Part of the Getting Through Tough Times series.

Deciding if Teens Should Work — Weigh the pros and cons of whether your teen should work when the family falls on hard financial times. Part of the Getting Through Tough Times series.

Helping Children Cope — Family communication and coping skills have a great impact on how your family deals with tough times. Part of the Getting Through Tough Times series.

Related Resources

Online Courses for Families — Choose from sixteen online courses that cover overindulgence, alcohol use, renting, nutrition labels, and more.

Resources for Families — Online resources to help family not only survive, but thrive, after a family transition like divorce or separation.

Personal Finance — Empowers families to make wise decisions about money and other financial resources.

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