Your Personal Financial Meltdown Survival Guide: Effective Tips and Tricks for


Your Personal Financial Meltdown Survival Guide

Effective Tips and Tricks for Getting Your Financial Emergency Under Control

By Kristi Patrice Carter, JD

Financial Meltdown Survival Guide: Effective Tips and Tricks for Getting Your Financial Emergency Under Control

© 2016 Kristi Patrice Carter, JD

All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission of the publisher, except in the case of brief quotations embodied in articles or reviews.

Shakespir Copyright Note

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior permission of the author.



This book is designed to provide factual information in regard to the subject matter covered. However, it is based on personal experience, interviews with other multiple-income seekers, and research conducted by the author and her freelance staff. Although much effort was made to ensure that all information in the book is factual and accurate, this book is sold with the understanding that the author assumes no responsibility for oversights, discrepancies, or inaccuracies. This book is not intended to replace financial, investment, legal, accounting, or other professional services. If these services are required, a competent professional should be sought. Readers are reminded to use their own good judgment before applying any ideas presented in this book.

For information, contact:

Thang Publishing Company

332 South Michigan Avenue, Suite 1032, #T610

Chicago, IL 60604-4434


For information on additional income stream opportunities, visit: http://www.incomestreams.guru

Table of Contents


Chapter 1 Read This Before You Begin

Chapter 2 Finding Emergency Cash

Chapter 3 Reducing Your Burn Rate

Chapter 4 Reducing Your Debt

Chapter 5 Boosting Your Income Stream



Let’s face it, financial emergencies can happen to just about anyone. Whether you’re worth $1,000 or several billion dollars, you can face a financial emergency. Nobody is safe. It doesn’t matter how much money you have saved up, and it doesn’t matter how much your job pays; financial emergencies can wipe you out if you’re not prepared for them.

Being prepared for the unexpected is so much better than being caught flat-footed. While you really can’t prevent emergencies from happening, you can prevent being caught unaware. If you know what to do, you are less likely to make costly mistakes.

What makes financial emergencies particularly troublesome for a lot of people is that they tend to react in a way that makes the problem worse. You already have a problem; the last thing that you want is to pour gasoline on the fire, so to speak. Even if you’re in the middle of a financial emergency right now, this book will help you handle it in a systematic and methodical way.

How This Book Will Help You

What can you get from this book? First, it will help you adopt the right mindset so you can weather any financial emergency. Second, it will give you a practical list of options to take in four key areas of emergency financial management:

1) Reducing your burn rate

2) Finding emergency cash

3) Boosting your income

4) Reducing your debt

By following these tips, you will be able to position yourself so you can deal effectively with any kind of financial emergency. It doesn’t matter when it happens, and it doesn’t matter how big or small the problem is; you’ll be ready. Remember, financial emergencies can and do happen to anybody. There is really no way to prevent them. However, you do have a lot of say in how prepared you will be if and when something happens.

Chapter 1

Read This Before You Begin

Your mindset is the most important aspect of financial management. Let me repeat that again: your mindset is the most important aspect of financial management. If your mind is in the wrong place, you’re going to freak out and handle the situation in the worst way possible. You’ll end up making a bad situation much worse. This is why it’s really important to adopt the right mindset so you can be more effective in handling your financial problems and be more hopeful.

You have to remember that the big change in people when they face a financial emergency is the impact on their mood. Someone may go from being worth $10 million to a couple of million dollars. In the overall scheme of things, that’s still a lot of money. But try telling that to the person who’s lost most of their fortune, because they’ll be in a completely different emotional landscape. This is why it’s really important to make sure that you adopt the right mindset. Otherwise, it’s too easy to feel like there is no hope and you end up freaking out.

The sad truth is, the more you panic, the worse things will get. Don’t assume that you’re financially doomed. For example, when you say to yourself, “There’s absolutely no money!”, guess what will happen? That’s right: the money will dry up. Why? It’s not because there are no opportunities left. It’s because you refuse to see the opportunities. Instead, your mind shuts down, and you end up looking at what’s missing instead of what remains. It really all boils down to perspective.

Adopt a Survivor’s Mindset

When you’re facing a financial emergency, it’s crucial that you adopt a survivor’s mindset. This is the mindset that will help ensure that you get out of the emergency sooner rather than later. What are the key assumptions of somebody with this type of mindset? First, they always assume that there is a solution. It might not be the optimal solution, it might not be the most convenient or easiest way to proceed, but there is still a solution. Second, they are willing to undergo a transition process.

You have to remember that the reason you are facing difficulties is because your mind is trying to adjust to your new financial reality. This is the toughest part about any kind of personal financial meltdown. On paper, it may seem that you just lost several hundred thousand dollars, or several million dollars, but on an emotional level, it’s like the end of the world. This is due to the fact that your psyche is threatened by change. When there is a massive overnight change, your personal psychology is impacted in a very pronounced way.

Survivors focus on the transition process. They understand that they have to become different people as they try to get out from under their financial problems. They don’t hang on to the past. They don’t continuously think of how good they used to have it. Instead, they focus on the process that they’re in and voluntarily embrace the process and become different people as a result.

The third aspect of a survivor’s mindset is the assumption that as long as they can get out of that initial financial hole, they can rebuild. Regardless of whether they’re left with $10 million, $1 million, or even $1, they have a hopeful mindset that tells them: As long as I can get out of this hole, I can start the rebuilding process.

Finally, they consciously undertake learning from their mistakes. While your financial errors and mistakes can help you get a clear understanding of why you’re in the financial hole you’re in, learning from your mistakes can also help you avoid committing those errors again.

The Bottom Line

The bottom line is, there is no such thing as a negative experience. You might feel that your self-esteem and self-confidence took a hit because your net worth took a hit, but as long as you are willing to learn from the situation, you can actually turn this very challenging time in your life into something positive. It definitely is an opportunity to build a better character.

Chapter 2

Finding Emergency Cash

This step is crucial. While this book can help you boost your income, reduce your burn rate and reduce your debt, finding emergency cash should be at the top of your list. Why? The horse is already out of the barn. You’ve already suffered a financial emergency. You need to face the bills that are piling up so you don’t sink any further into debt. Following these tips will help you get out of financial hot water quickly so you’ll have the time and resources you need to take care of the more entrenched or structural issues facing your finances.

Think of it this way: if you are suffering from cancer and the cancer has progressed to the point that you are facing organ shutdown, the first thing the doctor would do is to deal with the immediate symptoms that are involved with that situation. The second step would be to deal with the underlying cause, which is the cancer. The same strategy applies to financial problems. I will cover tips that deal with the deeper issues with your finances, but the first step is to stop the bleeding.


First, buy yourself some time so you can get your financial house in order. Then, you can implement two or more of the following to maximize your emergency cash. You only need cash to fix your finances once and for all, but the cash that you will be raising is just emergency cash to take care of the immediate financial pain that you’re going through. Later on, you’ll need to raise more cash to get to the root of your financial challenges.

Take Out Loans

This is probably the fastest way to get some temporary financial relief. A loan from the bank or a personal loan from a friend or relative will give you the cash you need to pay off the obligations that have put you in the financial hole you’re in.

There are many quick loan options available. You can take out a payday loan if you have a job; you can take out short-term loans depending on the kind of assets you have; and you can also take out a mortgage refinance loan if you own your own home.

If your emergency is not so severe that you’re forced to take out a payday loan or a short-term loan, focus on getting mid-term to long-term loans. I suggest you take this route, because these loands can be renegotiated and restructured. Also, insist on a loan package that has zero or low pre-payment penalties.

Sell Things You No Longer Need

Another option is to sell items that you’re no longer using. These things are easier to let go of since you don’t need them anymore. You’re probably not even using them. I suggest that you sell these types of items first, because you don’t really feel left behind when you’re selling them. You don’t feel like you’re depriving yourself if you let them go.

One of the easiest ways to convert items you no longer need into cash is to hold a garage sale. Post fliers in your local area, or post on Craigslist or Backpages. Just get the word out there and, believe me, buyers will show up, because people are always looking for a bargain.

Keep in mind that if your goal is to make some quick cash, you should make it worth people’s while to show up. Meaning, price your merchandise to move. This is not the time to ask really high prices. It should be obvious that your main objective here is to make money quickly.

Sell Your Luxuries

This is where the process gets a little bit painful. These are things that you actually wanted, that you may use every day, but you don’t really need them. You can buy a luxury watch, but if you just want to keep track of time, your mobile phone, your tablet, your laptop or a cheap watch would do.

These items are luxuries because of their brand, not their function. As long as you can find something that provides a similar function, but costs less, then consider that branded item a luxury. Make no mistake about it, it’s often painful letting go of these things, because you have to adjust your mindset. It’s very easy to feel that you are depriving yourself or punishing yourself because of your bad financial situation. You have to view things in context.

For example, having two cars in your garage can be a luxury if you’re in dire financial straits. If possible, you might consider selling one and sharing your vehicle or finding other modes of transportation. Another option is that you can turn one of those vehicles into a money-maker by using it as an Uber or Lyft vehicle to transport others for cash in your spare time. The possibilities are endless. Other common luxuries that you should consider selling are: video game systems, collectibles like comics, trading cards or action figures, art, certain pieces of furniture, etc. Meaning, if you already have many of these items that you don’t use, the extra items are luxuries.

Take On More Overtime

If you already have a job, it’s a good idea to ask for overtime. If an overtime shift or a slot is open at work, work more of them to earn some quick cash.

Get a Second or Third Job

Depending on where you are in the United States, it may be fairly easy to get a second or third job. These are, of course, part-time jobs in addition to your main job. While, technically speaking, you shouldn’t have a problem getting a second or third job, it can be difficult mentally, especially if these jobs pay a much lower hourly rate than your regular job.

Let me be honest with you – this can be a difficult move if you have a high-level job or an advanced degree. For example, if you have an MBA and your day job involves high-level consulting, it’s quite a hit to the ego to work at a car dealership or a car wash as your second job. Regardless, swallowing your pride can go a long way toward freeing you from your current financial problems. The good news is that you don’t have to stay at your second or third job permanently.

Another option you could take is to find a seasonal job. For example, most retail department stores have seasonal jobs for Christmas or other seasons in the year. You can also take a sales job that pays on commission. A lot of people think that these jobs are fairly low-level, but some sales jobs pay really well if you know what you’re doing.


There are many online platforms like Upwork.com, Freelancer.com and even Fiverr.com that enable you to advertise your skills. What kind of skills are we talking about? If you know how to write, speak clearly, can shoot videos of yourself talking, or if you can create graphic cards, these online platforms can be steady sources of freelance jobs.

Another opportunity that you might want to consider is to offer the same services that you provide at work. For example, if you’re an insurance claims adjuster and you inspect health claims all day long, you can choose to offer those services on a freelance basis, provided that your company doesn’t prohibit such practices. You can advertise your services on places like Craigslist and Linkedin. Networking with friends and contacts on Linkedin can help you tap into a vast network of people who are actively looking for the services you provide at your current place of work.

The great thing about freelancing is that you work whenever you want, wherever you want. There’s a tremendous amount of flexibility and freedom. However, you can’t be too casual about it. If you take on a job, make sure you deliver on time. It’s also a good idea to exceed your clients’ expectations when delivering services because this increases the likelihood that your customer will order again.

Chapter 3

Reducing Your Burn Rate

In this chapter, I will help you reduce your financial burn rate. This is the rate at which your current debt piles up. It won’t help you to find some emergency cash only to land in financial hot water again because your spending habits haven’t changed.

You have to reduce your burn rate at the same time that you find emergency sources of cash. These go hand in hand. If you are able to do these two things properly, you can buy enough time to structurally improve your underlying personal financial fundamentals. I am, of course, talking about reducing debt and boosting income streams.

So, how can you reduce your burn rate? Here are just a few tips you can use. This is not a complete list, but it’s a good place to start.

Move to Lower-Cost Housing

If the biggest percentage of your monthly burn rate is rent, you might want to consider renting in a lower-priced neighborhood. Again, your ego is probably going to take a hit. You probably have gotten used to the particular surroundings of your neighborhood, and you may even feel that you are entitled to a certain lifestyle, but you’re in a really tough financial spot.

Again, this can be inconvenient and uncomfortable, but the good news is that it doesn’t have to be permanent. You can downgrade temporarily until you can upgrade your finances for the long term. In other words, you will have to take this short-term hit and sacrifice now for greater comfort and convenience in the future.

Freeze Spending to Absolute Essentials

If you really want to make progress in getting your financial house in order, you need to freeze your spending to the things that you absolutely need. We’re talking zero luxuries, zero extras.

Which essential items should you stick to? First, pay the rent or mortgage, and bills for food and utilities. When it comes to dining out, you may choose to only dine out infrequently or stop altogether. Consider eliminating “bonus” packages in your cable service and switching to a slower internet speed, or cutting your internet service entirely. Free WiFi is available in many places, including the library.

It goes without saying that you should avoid eating out. This is a crucial component of a personal spending freeze. As another part of this spending freeze, you can’t buy any new clothing, gadgets, shoes, or accessories. The good news is that the spending freeze is not permanent. Give yourself two to three months to adjust the rest of your finances. Play things by ear and see how it goes.

If you’re making good progress, then 2-3 months should be enough. However, if you’re having a tough time getting your finances in order, you might have to sacrifice a bit longer and shift to a 4-6 month time frame. Regardless of how long the spending freeze may be, always remember that it is temporary.

Chapter 4

Reducing Your Debt

This chapter deals with the first steps you need to take to structurally reposition your finances. By taking action on these items along with the tips outlined in Chapter 5, you can go a long way in not only digging yourself out of your financial emergency, but preventing yourself from stepping into any financial holes in the future.

You’re going to be structurally fixing your finances with the tips I will outline in Chapters 4 and 5.

So, How Exactly Do You Go About Reducing Your Debt?

Sort Your Debt

The first step is to sort your debt. Figure out your biggest bills and understand just how much money you owe. We’re talking about your credit cards, bank debt, student loans, and any other types of debt. Once you have a clear inventory of all your bills and short-term, medium-term and long-term debt, the next step is to look at the interest rates.

Shift Your Debt to Lower-Interest Debt

Certain financial obligations can be restructured or modified so you can pay a lower interest rate. The easiest and fastest way to do this with credit cards is to open a new credit card that has a very low interest rate or a zero-interest promotional rate period. You use that card’s credit balance facility to transfer all your other credit card balances to that card.

If you choose a zero-interest card, try to pay off as much of your debt as you can during that zero interest promotional period. Make sure you track this very carefully, because if you get caught unaware and the zero interest converts to a regular interest rate, you might have to more interest than you would have with your original credit card.

If it’s clear to you that you probably will not be able to pay off your balance before the zero-interest period expires, look for another card that has a zero-interest promotion period and transfer the remaining balance to that new card. This is called “the credit card shuffle.” Many college students in the United States know how this game is played. The good news is, after two or three “shuffles” from card to card, your overall credit card debt will be reduced to a very manageable level.

Consolidate Your Longer-Term Debt

For longer-term debt like student loans and mortgages, it’s a good idea to consider debt consolidation. Debt consolidation is all about stretching the payment period of your debt so you’re not saddled with huge monthly interest payments.

The downside to this is that you’re going to be paying off the debt for a much longer period of time. Keep in mind that the bank is not losing any money when you consolidate your debt. Ultimately, you’re going to be paying more interest because your debt will be stretched out for a longer period of time. The upside for you is that you’ll be paying much less money now, when it counts.

There are different ways to consolidate debt, depending on the type of debt and the type of creditor. What’s important here is that you work with your creditors directly to reschedule your debt. If you doubt that this would work, or whether this is even an option, look at the situation from the creditor’s perspective.

As a creditor, which would you rather do: reschedule the debt, or have the debtor declare bankruptcy? You’d get a little less money now, or you’d get zero. The answer should be clear. So, don’t be shy about trying to consolidate your longer-term debt.

Chapter 5

Boosting Your Income Stream

This is a crucial aspect of getting out of financial holes. If you follow these tips correctly, chances are quite good that you will never find yourself in a deep financial hole again. You should follow these steps after you freeze your spending and reduce your burn rate. It’s also a good idea to follow these steps at the same time as you’re simplifying your finances.


The simplest strategy for boosting your financial situation is to use any extra income that you generate to pay down all your debt. The key here is to increase your income over the long term, so that not only your short-term debt is taken care of, but also your mid-term and long-term obligations as well. Again, this is not a comprehensive list. Pick and choose among these tips, depending on your circumstances.

Get a Higher Paying Job

One of the initial things that you should consider, as far as long-term solutions go, is to look for a higher-paying job. Finding one can take a while, but it’s definitely worth doing. The key here is to hang on to your current day job while you’re looking for a higher-paying job. Your next job must pay substantially more than your current job. Otherwise, it’s not worth making the shift.

Ask For a Raise or Get Promoted

Another thing you can do is to ask your boss about a pay raise or a promotion. Believe it or not, a lot of bosses won’t be shocked or offended if you ask for a raise. This is especially true if you actually do a good job. Think of it this way: your boss would be a fool to let you go if you bring solid value to the table. As long as you’re a productive employee, it doesn’t hurt to ask for a promotion, a raise, or both.

When you’re looking for a promotion, understand that you can be promoted either vertically or horizontally. There may be positions in lateral departments that pay higher than those in your department. In that case, ask for a lateral promotion. This may require some retraining, but it’s definitely worth it.

Get Retrained

The more skills you have, the more valuable you are. If you get some additional training, you may be able to get into a higher-paying field. Now, keep in mind that retraining is not a short-term solution. Being trained in a new field can take months, or even several years.

Today, getting additional training, or being trained in a new field, doesn’t necessarily mean attending classes on campus – you may find that online training better suits your schedule.

Keep in mind that online education may not lead to a more lucrative career, depending on what kind of degree or certification requirements your potential employers ask for. If the employer you’re thinking of working for requires a degree from an established, “brick and mortar” institution, a certificate from an online school may not be your ticket to financial comfort.

It’s important that regardless of which way you go about retraining, make sure that the field you’re retraining for is truly lucrative, and that jobs in that field are available in your area.

Many vocational jobs don’t really pay well because there’s not much demand for them. Make sure that if you’re going to invest your time and energy in being retrained, that it will actually be worth your while.

Agree on a Dual Income

Are you married, or you’re living with a boyfriend or girlfriend? In order to put your financial house in order, both of you should be generating some income. Now, this situation can be very sensitive, especially if you have children. Make sure you talk it out between the two of you to see if this is feasible. Given the high cost of child care, it may make more sense for one partner to stay home to care for the children. Every couple’s situation and circumstances are different. Make sure you’re both on the same page as far as this particular long-term financial restructuring option goes.

Develop an Active Side Income

There are two types of incomes: active and passive. Active income is when you’re actually working to produce money. Whether you’re working at home remotely, or whether you’re physically present at a job site, active income requires an active input of effort for you to collect payment. In other words, if you don’t work, you don’t get paid.

The good news is that you can develop an active income working from home. Thanks to the internet, you can do any one of the following. You can research alternative active online income models available online or check out my book, Active Income Streams, for even more ideas. Here are some of my favorites.

p<>{color:#000;}. Sell merchandise on eBay. You can find suppliers that charge a low price for a product, and then sell it on eBay. The important thing to note here is that you should not physically handle the product. If you’re going to be warehousing the product and shipping the product, there are so many things that could go wrong, which would vaporize your profit margin. Instead, you should look into reselling products being sold by a drop-shipper. A drop-shipper retailer is a retailer that would take your order and then ship directly to your customer.

p<>{color:#000;}. Resell other people’s freelance services. For example, there are many writers who offer their services on places like Freelancer.com, Fiverr.com, or Upwork.com. You find the buyers of these services, then contract with the freelancers. Once the client has paid you, you commission work from the freelancer and then deliver it to the client. Whatever’s left is your profit. This can be quite lucrative if you become a value-added reseller. I will go into that with the next tip.

p<>{color:#000;}. Become a value-added reseller of Fiverr services. Fiverr.com is an online freelancing platform where freelancers (writers, graphic artists, video pitchmen, etc.) sell their services for $5 and up. You take these services and piece them together to create a service package. For example, you could take a website design, banner and logo production and writing services from Fiverr and package them together into your own website design service. Since clients normally pay anywhere from $50 to $250 for website design and production, you can make quite a bit of money buying these service components from individual providers on Fiverr, using them to develop a website, and then selling that website to a client for a hefty markup.

The great thing about being a value-added reseller is you’re just the middle-man. You’re simply buying low and selling high. If you’re selling your own product or services through your own website, you need traffic. Even if you’re using an online freelancing platform, you need visibility. This is especially true if you want to develop a drop-ship website. By doing this work, you provide the traffic.

The drawback to all of this is rooted in the definition of “active income.” You have to actively put in the work and the time to earn this type of income. There’s no way around it. If you don’t work, you don’t make money. If you work once, you get paid once. You work again, you get paid again. Thankfully, there is a better alternative, called “passive income.”

Develop a Passive Online Side Income

I’m really excited about these particular tips because they enable you to produce income with very little effort. The great thing about passive income is that you put in the work once, and you’ll earn money from that work many times over.

The best example of this is publishing an e-book on Kindle. That said, it obviously takes passion and writing skills write a book – or money to hire someone to do the writing for you. You don’t just throw words onto a page. You have to research the topic and put in time to create the book. Then you have to get it edited and get an awesome cover made (or make one yourself). You also have to format the book (or have it formatted by someone else) and then upload it to Amazon or another online bookseller.

If you know what you’re doing and that book sells well, you won’t have to lift a finger again, besides promoting your book from time to time. A successful book can sell hundreds of copies, month after month, earning you hundreds or even thousands of dollars, but you’re no longer working day in and day out to get that money. Isn’t that amazing? That’s how passive income works. You work once, and you reap the rewards many times over.

Another example of passive online income is to set up a content website monetized by ads. The most common example of this is a blog. When you put up a blog, you obviously have to write the content on a fairly regular basis. The good news is that you only write this content once. You will probably have to advertise the blog through social media to keep your audience growing, but if you treat that as fun rather than work, you’ll find your income increasing without much effort.

The big advantage of passive income is you work once, and you earn many times over. It’s hard to find fault with this model. However, it takes time to get traction. You’ll also need to do some specific research regarding these various passive income avenues to maximize your likelihood of success.

For additional information on how to set up passive income streams, check out my book, Passive Income Streams.


Taking the steps above will not only help you survive a financial emergency, you will come out of it stronger and better able to manage your finances in the future. What’s important here is to focus not only on surviving the initial shock of your personal financial downturn, but on structurally fixing your situation. You need to change how you look at money and how you earn money so your long-term financial prospects will improve. Otherwise, you’re going to fall into the all-too-familiar trap of seeing your expenses go up at the same rate as your income.

If that happens to you, then you’re just treading water. Eventually, you’ll get tired, and that increases the likelihood of another financial emergency. Do yourself a favor and benefit from whatever financial setback you may encounter. Use that negative experience to get your financial house in order for long-term stability and comfort.

I wish you nothing but the best.

If you’re looking for additional ways to generate emergency, passive or active income, check out my other books:

p<>{color:#000;}. Active Income Streams: Side Income Opportunities for Achieving Financial Freedom (Working as Much or as Little as You Desire)

p<>{color:#000;}. Emergency Income Streams (How to Create Fast Cash in 14 Days or Less)

p<>{color:#000;}. Passive Income Streams: How to Create and Profit from Passive Income Even If You’re Cash-Strapped and a Little Bit Lazy (But Motivated)!

Your Personal Financial Meltdown Survival Guide: Effective Tips and Tricks for

Are you prepared to face financial emergencies when they strike? Now you can with Kristi Patrice Carter’s new guide for handling financial emergencies. Kristi is the best-selling author of Passive Income Streams; Active Income Streams; and Emergency Income Streams. She has a BA in English from the University of Illinois and a JD from Chicago-Kent College of Law. In her newest book, Kristi teaches you how to be more effective in sorting out your financial problems. By drawing on her personal experience and those of others, she teaches you to: Use the four key areas of financial management to turn your finances around during and after an emergency. Reshape your mind-set before, during and after a financial emergency so you drop the victim mind-set to become victorious. Prioritize, sort your debts and reposition your existing financial structure to absorb the shock of the emergency. Learn creative and powerful strategies to boost your financial situation and take care of your short-term, midterm and long-term obligations. Drop the confusion that financial emergencies bring and follow Carter’s guide as you navigate the stormy waters of financial emergencies to the beach of prosperity.

  • Author: kpcwriting
  • Published: 2017-05-11 17:50:09
  • Words: 5609
Your Personal Financial Meltdown Survival Guide:  Effective Tips and Tricks for Your Personal Financial Meltdown Survival Guide:  Effective Tips and Tricks for