In today's challenging environment, living costs are high and many are feeling the financial strain. It's important to remember that if you're managing to avoid debt and maintain your current lifestyle, you're actually doing quite well.

• Acknowledge the Struggle: It's okay to find it tough right now. Many are in the same boat, and you're not alone.

• Celebrate Small Wins: If you're keeping your head above water, that's a win. Not going into debt and maintaining stability is a significant achievement.

• Avoid Comparisons: Focus on your own journey and avoid comparing yourself to others. Everyone's financial situation is different.

• Take Care of Yourself: Prioritise your mental and physical health. Stressing too much about finances can take a toll.

• Seek Support: Talk to friends, family, or a financial advisor if you need guidance. Sometimes, just sharing your concerns can make a big difference.

Remember, you're doing your best in a tough situation. Be kind to yourself and recognise your efforts.

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