Quit worrying and research possible solutions
Q I’ve always worried about money as I came from a family that had very little. My husband and I have worked hard but we’ve both been in low-paid jobs so, although we’ve managed fine, we haven’t saved anything. We both have small work pensions plus the state pension but I can’t see how we’ll manage when we retire. My husband says I’m making life a misery with my fears and moaning.
A I often write about the effect of negative thinking and how it just brings us and others down. My advice would be to focus on what you could do to change the situation. Start by looking at your outgoings and see what the shortfall will be. Now put your thinking caps on and start to think of ways one or both of you could earn a bit of money to close that gap. I know it isn’t easy to get part-time work but there may be something you could sell or a service you could offer others which would bring in a little extra income.