Starting a new life can be an excellent opportunity to make refreshing choices and decisions. However, this can be constrained by funding. To make the most of your new life, make a list of goals and always maintain a positive mindset. Learn more about saving and your spending patterns. Get a job to supplement your income, and ask friends and family if needed.
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Method 1 of 3: Determining the Way You Want to Live
Step 1. Explain why you are starting a new life
Take some time to determine if you restarted because you needed to, or if you wanted to. If you need a new life, you should also identify the life enhancements that need to be implemented. If you want it, examine the ideal life you desire carefully.
- For example, if you are starting a new life because you need distance from a bad family member, include limiting contact with that person in your plans.
- If you're starting over because you want a challenge and a passion, it's a good idea to put yourself in an unfamiliar situation, such as living in another country.
Step 2. Make a moving plan, if needed
You may need to move houses or apartments to start over in the same city, or try living entirely in a new country. Do as much research on the internet as possible to determine the best way to make the most of your limited funds. Find a location where the cost of living is cheap and there are many job openings.
Find locations with many housing options, and calculate the approximate cost of eating and drinking there via the internet. For example, in Yogyakarta you can get a boarding house for around Rp. 200,000 a month
Step 3. Determine the people you want to keep in touch with
Starting a new life can mean breaking up with some people, but you need to keep in touch with the people you love. Browse the list of all your friends and family to determine who you want to keep. You should also consider how to let them know about the decision to restart, or maybe just keep quiet.
For example, if you are trying to rebuild your finances and have a relative who is likely to have a negative impact on your finances, decide whether you want to keep the relationship with him or not
Step 4. Record the destination journal
Take 15 minutes a day to write and think about your current situation and adjust future goals. Try setting goals for one month, one year, five years, and 10 years. Review your goals regularly and change them as needed. Make sure your goals align with the kind of life you want in the future.
- For example, you might write, "I want to have $500,000 in savings at the end of the year." This goal helps you become more financially stable so that you can fit into your new lifestyle.
- Make sure you think big and small when setting goals. Don't be afraid to aim as high as you can in setting long-term goals.
Step 5. Break each goal down into a series of steps
Consider the exact actions that need to be taken to achieve each goal and write them down in the form of a series of steps. When you are trying to reach a certain goal, see this list for reference. Thus, big goals do not feel impossible to achieve. On the other hand, you won't feel like you're losing control when you're in a difficult situation.
For example, if you're planning to save, you might want to start controlling your spending and opening a savings account
Step 6. Look for new and interesting experiences
It's easy to get discouraged in unfamiliar or unfamiliar situations when starting a new life. Instead, force yourself to use positive adjectives to describe your experience. For example, change the word "weird" to "interesting". If you're feeling too restless, tell yourself to open your eyes and find one positive thing about your new environment.
For example, try to find natural beauty in your area. Watch the way the birds fly through the sky, or the rays of the sun shining through the leaves of the trees. If you always work in an office, print out this scene and display it around you
Step 7. Push yourself with a positive spirit
Restarting takes time and hard work. Don't expect everything you want to be achieved overnight. Instead, love yourself and acknowledge all your victories, even the smallest ones. Say “good job” to yourself throughout the day. Give yourself frequent compliments.
- Maybe it would be easier if you saw life as a book. This Period is only one of many chapters in the book and the ending is unknown. After all, you're still writing the story.
- You also need to be alert when you fail so that this moment doesn't let you stray too far. For example, if you've been extravagant, try to correct it.
Method 2 of 3: Rebuilding Your Financial Life
Step 1. Create a debt list
Take a sheet of paper or open a spreadsheet on your computer. Write down all the details of your debt. Include information about the payment amount, due date, and interest rate. Update this list and mark debts that have been paid off.
- This will also allow you to know the amount of debt that needs to be prioritized and which can be paid off later. For example, you should pay credit card interest as soon as possible.
- You can record one of the list entries as follows, "BCA Credit Card, balance IDR 2,000,000, 18% interest, minimum payment of IDR 200,000 per month."
Step 2. Build a savings plan
Even if you don't currently have money, it's best to build a budget from the funds you have. Your goal is to move away from a lifestyle that involves bill after bill. This means that you need to find a job and spend time learning about saving, for example through sites like Learnvest.
There are a number of spending “tricks” that you can learn, for example setting aside transaction changes using an application, such as Qapital
Step 3. Choose a junk lifestyle
Get in the habit of finding simple, but safe accommodations. If you are moving, choose a location that allows you to live as a scavenger. Pay attention to the cost of living figures and consider the cost of living in cities versus in remote areas. You can also research transportation cost savings if you don't use a car.
For example, Panama is one of the locations where you can live comfortably on a budget of IDR 6,000,000 a month
Step 4. Find a job
If you don't have an income, look for it by building a solid resume. It's a good idea to list your skills before you start applying for jobs. You can also contact job agencies or browse job sites yourself. Make sure you only apply to official vacancies.
You can also try selling your skills by opening a business
Step 5. Create a backup plan
Without a financial "safety net," many of your life's moments need to be carefully tracked. You'll feel a little safer if you have at least one backup plan for all major decisions and actions you take. Think about the best and worst scenarios.
For example, if you were cycling to work to save money, and found the vehicle broke down in the middle of the road, what would you do? It's a good idea to consider public transportation as a backup plan
Step 6. Discuss with a financial advisor
Try going online and looking for a “financial advisor” in your city. Then, call each one and ask if they offer free assistance. If so, make an appointment and bring all your financial documents on the day of the meeting. They can also suggest you join a financial support group with some other clients.
You can also find financial advice forums on the internet and ask members for tips on saving and tracking expenses
Method 3 of 3: Getting Help from Others
Step 1. Take advantage of government programs
Talk to local government staff to find out if there are any government programs you can take advantage of. Consider this program as a temporary way to improve your financial condition to prepare for the future. Make sure you follow all the guidelines to join the program
For example, there are several programs to help small businesses. Some of these programs allow you to start a business even if you are short on funds. Try contacting the office of the Ministry of Cooperatives and SMEs in your city for more information
Step 2. Ask friends and family for help
Tell friends and relatives about your goals and plans to turn over a new leaf. They may also be able to provide additional resources, funds, or assistance, to ease your burden on getting back on your feet.
- Know that your stories and choices can also help other people make positive changes in their lives. For example, there may be a friend or relative who is in debt and your experience can help them deal with the problem.
- While chatting with friends, you might say, "I have very little money, but am planning to find a job in an industry with guaranteed pay and regular insurance."
Step 3. Consider living with friends
The cost of living can drop your budget and your ability to save quickly. If you have friends or relatives who let you stay for a while, consider this option. This allows you to save money and allow enough time to find situations that suit the simple lifestyle you desire.
You'll quickly realize that living in someone else's house is pretty commonplace, especially in a big city. It is common for people to allow friends or relatives to stay until they find work in a densely populated and competitive place
Step 4. Make lots of professional contacts
Whenever you chat with another person, try to consider how he or she might become a professional contact for you. This behavior does make you look like a moneymaker, but remember that these connections also allow you to help other people. When in public, try to talk to the people you meet and be as friendly as possible.
For example, if you're a waitress looking for work, don't be shy about talking to staff while dining at a restaurant. He can provide tips on finding work in the area
Step 5. Talk to a therapist
Go to the internet and enter the keyword “therapist [your city name]” into a search engine. Contact these professionals to see if there are any therapy sessions or groups to join. If anything, this is a great opportunity to explore your old life and current change efforts. In the support group, you can also meet people who can become friends in your new life.
