We’ve all been there. You’re going about your day, feeling pretty good about your finances, when suddenly, just great! An unexpected bill lands in your lap, or more particularly, through your letterbox or perhaps just straight from your account. Maybe it’s a car repair you didn’t see coming, or a medical expense, or an insurance payment or however many infinite ways people in the world will justify taking money from others, the oldest game in the book.

Whatever it is, it’s not hard to feel completely overwhelmed, especially if your budget was tight already. It’s easy to panic in these situations. Your mind might start racing, wondering how you’re going to make ends meet. But take a deep breath, and realize there are ways to handle this, and you’re not alone at all. Support is out there, and in this post we hope to start providing it. Let’s talk about some strategies that might help you cope with that heavy, unsuspected bill.

Take A Hard Look At The Bill, Budget & Context

Taking action can help you stop feeling frustrated. A good first place to start is by looking hard at your renewed finances. It’s not the most fun task, but it’s important. You could start by listing out all your income and expenses for the month adjusted from that total. This will give you a clear picture of what you’re working with. Maybe there’s some wiggle room you didn’t realize you had. Which softens the blow a little, or you could cut out other expenses to help soften the blow. Unless you’re living to the penny or cent, there will be something.

Contact A Creditor, Charity Or Someone

You don’t have to face it alone. Remember that sometimes, many companies can be willing to work with you if you explain your situation. They might offer a payment plan or even a temporary reduction in what you owe. If you’ve paid, they’re unlikely to refund the bill payment, but if it’s just an invoice you could arrange a later date to pay it. If that doesn’t work, there are charities out there that specialize in helping people through financial rough patches. Don’t be afraid to ask for help – that’s what these organizations are there for. It will give you traction to keep going.

Consider Extra Income Sources

While you don’t have to start an immediate side hustle or whatever else those online entrepreneurs say, if you’ve used other options, you might want to think about ways to bring in some extra cash here and there, even just to soften the blow a touch.

This doesn’t have to mean getting a whole new job. You could look into freelance work in your field for a quick job if needed. Maybe your boss can give you an advance. Maybe you can sell a few of your old clothes or possessions online. Even small gigs can add up. For some, an online loan they pay back after their next salary payment can make the bill a little easier to swallow, over two months instead of one. We hope this assists you on your path forward.

With this advice, you’ll be certain to cope with that heavy and unsuspected bill.