What if there is a controller in the tram, and you do not have a ticket, and you forgot the purse of the house? What if the bills on the apartment due to certain, very serious, urgent or sad circumstances and are unpaid and imagination draws the future in a cardboard box on the street?
What if, having lunch in a cafe, you suddenly realize that you have not calculated your financial strength? How to overcome the fear of plastic cards? What if you "get involved" in paid education, do you realize that you do not have the means to pay for the next semester?
Transport fear
The first thing you need to remember when you are without money in public transport is your rights. Violation of the rules for the use of public transport entails administrative responsibility. However, the controller has no right to demand payment of a fine in the cabin of a bus or a tram, he is authorized to write out a receipt for payment at the bank, and can politely invite you to leave. Send a violator to the police representative of the transport company is entitled only if the stowaway is aggressive. Another aspect of the problem is not always the correct behavior of the controllers. Coolness and stressed politeness will help you to maintain dignity.
Everything is so expensive!
If the account in the restaurant is full of zeros and exceeds the amount of cash available (well, you just mistook the price tags, looked there, or forgot that you do not have a lot of money in your wallet), you can always try to negotiate with a restaurant manager or a cafe. Explain your situation to him and call your husband or girlfriend and ask them to give you the missing amount. If this is not possible, offer to leave as a pledge favorite earrings, driver's license (but not a passport) and go for the money. In addition, many cafes can simply work out their debt, for example, washing dishes or cleaning in the kitchen.
Lawyer
Forget the purse and go in the bus hare can everyone (in this case it's best to immediately explain the driver's situation), and there's nothing wrong with that. But to take a loan without any prerequisites to pay it - not a good idea. A wonderful way to get rid of financial fears is to learn how to keep a budget (calculate your incomes and expenses), set yourself financial goals (to graduate, go on vacation, buy a car) and to get them through certain instruments (deposits, etc.).
Plastic instead of money
Credit cards have long appeared in our wallets. However, newspapers and magazines are full of reports about cyber-fraudsters stealing money with a single click of a computer mouse. All these rumors (obviously exaggerated) lead to the fact that we are afraid of plastic cards and on the day of salary we remove all the cash. To ease your life, use all the services of the bank, designed to protect accounts from hacking: connect the system for immediate notification of transactions by e-mail or sms. always carry a business card with the phone for emergency card blocking, insure your account, get a separate card for transactions through the Internet, remember the pin code and never store the electronic key-signature and codes in one place. After such security measures, you do not face a leak.
Housing problem
The consequences of a debt for utility bills may be different. The first thing you will charge penalties for non-payment. In addition, get ready for permanent phone calls-reminders. However, in the case of too large debts, the case can also reach the eviction or collection of money through the court. So, in particular, tenants of apartments under the contract of social hiring are waiting for resettlement in a dwelling with a smaller area (for example, in a room in a communal apartment or hostel), and property owners are threatened with inventory of property and selling it for debts. It is regulated by articles 83, 84, and also it is registered in chapter VII of the Housing code of the Russian Federation. But it is worth remembering that these measures come into effect only after 6 months of systematically ignoring claims to pay. Agree, six months - a long enough time to solve the problem.
Do not stay without a diploma
Education increasingly becomes paid, hence the fear of remaining without a diploma, if suddenly the financial situation in the family will not change for the better. What is behind this fear? Is it really about money or is it just a disguised self-justification of laziness (too lazy to work to pay for studies)? "The road will master the going!" In addition, banks are ready to help and provide an educational loan. Its peculiarity is that the money is transferred directly to the institution or university by the financial institution, and the student pays the loan after receiving the diploma. So the probability to remain an ignoramus is reduced to zero, and the motivation to study fruitfully and then to find a prestigious job only increases.