Suffering from the Crisis? Understand What to Do
When a crisis hits — whether it’s financial, emotional, or social — it can feel like everything is falling apart at once. Bills pile up. Emotions run high.
And every day becomes a battle to just keep going. If this feels familiar, you’re not alone.
This page is for you. Whether you’re dealing with job loss, income cuts, rising prices, or the weight of uncertainty, you’ll find practical guidance here. From what to prioritize first to where to get help, and how to mentally stay afloat — the answers are real, accessible, and designed for the now.
As you scroll, you’ll find clear explanations and easy-to-follow advice. You’ll understand which actions to take immediately, which services are available to support you, and how to avoid common traps during crisis moments. You’ll also get strategies for managing stress, protecting your family, and rebuilding your confidence.
This isn’t theory. This is survival — with dignity, with direction, and with hope.
FAQ
What should I do first if I lose my job?
Apply for unemployment benefits immediately and reduce your monthly expenses. Also, update your resume and begin applying for short-term or freelance work to keep some cash flow.
How can I feed my family with almost no money?
Use local food banks, government aid like SNAP, and stretch meals using affordable staples like rice, beans, and eggs. Many communities offer emergency food boxes with no documentation required.
Are there government programs that help during crises?
Yes. Look into emergency rental assistance, food programs, Medicaid, WIC, utility relief, and mental health hotlines — all are designed to support families in financial distress.
What bills should I prioritize?
Focus on food, shelter, utilities, and transportation. Communicate with creditors or service providers about delays. Many offer hardship assistance or deferments.
Can I pause rent or mortgage payments during hardship?
In many cases, yes. Contact your landlord or lender and ask about forbearance or temporary relief options. Document everything in writing for protection.
Where can I get free mental health support?
Call hotlines like 988 in the U.S. or find local nonprofits offering free virtual counseling. Emotional health is just as important as financial stability.
How can I stay calm in a financial crisis?
Take things one day at a time. Breathe deeply. Make a list of priorities and tackle one item at a time. Focus on action, not panic.
Is borrowing money from friends or family a good idea?
It depends. If it’s a short-term, clearly defined loan and won’t harm your relationship, it can help. Always set repayment expectations upfront.
Can I use credit cards to survive the crisis?
Only as a last resort. Relying on credit without a repayment plan can lead to deeper debt. Prioritize alternatives like local aid or side income first.
How can I make quick money during a crisis?
Try delivering food, tutoring online, selling unused items, or offering skills like cleaning, babysitting, or yard work. Even $20–$50 a day can help stabilize your situation.
What are signs that I’m burning out emotionally?
Constant fatigue, irritability, isolation, or feeling hopeless are red flags. If you’re noticing these, seek support — even talking to a friend helps.
Is now a good time to move to a cheaper place?
Yes, if it helps reduce your stress and monthly bills. Be sure to compare all relocation costs before making a decision.
Should I tell my kids what’s going on?
Yes — in a calm, age-appropriate way. Reassure them you’re working on solutions. Kids feel safer when included honestly, not kept in the dark.
What can I cook cheaply for a family?
Soups, rice and beans, pasta dishes, egg-based meals, and slow cooker recipes are nutritious, filling, and budget-friendly.
Are free online classes a good idea right now?
Absolutely. Use your time to upskill in areas like digital marketing, freelance writing, or customer service. Sites like Coursera and edX offer free options.
How can I protect my credit during a crisis?
Always pay at least minimums if possible, and communicate with creditors before missing payments. You can also request temporary interest reductions.
What if I don’t have internet at home?
Many libraries and schools offer free Wi-Fi. Also check if your internet provider has a low-income program or temporary hardship plan.
Can I delay medical treatments to save money?
Only delay elective procedures. Prioritize medications and critical care. Check if clinics offer sliding-scale or charity services.
How do I avoid payday loans and high-interest traps?
Look into credit union small-dollar loans, community assistance programs, or nonprofits that offer emergency financial help without abusive terms.
What should I avoid doing in a crisis?
Avoid ignoring bills, shutting down emotionally, or making big decisions too quickly. Focus on small, smart steps forward.
How can I avoid feeling isolated right now?
Join local Facebook groups, faith-based communities, or online forums. Share your story — others are likely feeling the same and will support you.
Should I start looking for a new job right now?
Yes. Even if it’s temporary or part-time, any job brings momentum, structure, and income. It’s easier to transition while in motion.
What if I feel like giving up?
It’s okay to feel tired. You’re under pressure. But you are not alone, and this chapter will pass. Reach out, rest if needed, then take the next small step.
Are community centers still helping people?
Yes. Many offer food, emergency funds, rent help, job coaching, and more. Call ahead or check their websites for updated services.
What’s the first thing I should do after reading this?
Take one small action today — make a list, apply for assistance, reach out to someone, or cancel a nonessential subscription. Small steps rebuild big hope.
How can I save money on utilities fast?
Turn off lights and electronics when not in use, unplug devices, lower your thermostat by a few degrees, and take shorter showers. Also, ask your provider about energy-saving programs or budget billing plans.
Are churches or faith groups offering help during crises?
Yes. Many churches provide food, emergency cash assistance, clothing, or even help with rent and utilities. You don’t need to be a member to receive help — just ask.
Can I delay car payments during a crisis?
Often, yes. Contact your lender as soon as possible to request a deferment or modified payment plan. Most prefer working with you than risking repossession.
How do I explain financial struggles to friends?
Be honest and clear. Most people will understand, especially if you simply say you’re cutting back for personal or financial reasons. True friends respect honesty.
What are small habits that help me stay stable?
Wake up at the same time daily, plan your meals, track spending, check your bank balance each morning, and write down three things you’re grateful for. Small routines build emotional and financial strength.