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Experiencing Tough Times Now

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Getting Through Tough Times

This series of 17 fact sheets has been adapted to Minnesota by Sharon M. Danes, Extension Specialist and Professor in the Department of Family Social Science, University of Minnesota. These fact sheets cover five content areas for people experiencing trauma.

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

Getting Help

Community Agencies That Can Help — This fact sheet describes many of these agencies and includes contact information.

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.

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.

Bartering — Swapping resources with others is a time-tested way to stay in control when money is tight.

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.

Deciding Which Bills to Pay First — Guide to prioritizing your bill paying and spending habits.

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.

Controlling Stress — How to take care of yourself; know when to seek help.

Identifying Sources of Support and Friendship — It is helpful to reexamine how we communicate during stressful times.

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.

Setting Spending Priorities — You'll need to develop a spending plan to help you pay your bills if your income is reduced.

Strategies for Spending Less — When your family faces reduced income, take immediate action to stop all excess spending

Talking With Creditors — Reduce your chances of being harassed by creditors or collection agencies by working out solutions for debt repayment early.

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

Children and Tough Times

How You Can Help Mom or Dad — Ways you can help your family during difficult financial times.

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

Helping Children Cope — Family communication and coping skills have a great impact on how your family deals with tough times.

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