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Layoff fears, highinterest ratesand rising prices were key contributors.
Cruzesrecent YouTube videofeatured these five steps toavoid going broke and to better manage your money.
This cycle of being in the negative is hard to escape.
Her advice was to quit turning to debt and find a different way to make up for the shortage.
For example, you could look at your budget and make cuts or take on a second job.
Once youre in the positive, youll have a better chance of growing your net worth.
Find something you like enough to stick with for the long term.
Earn More and Spend Less
Cruze suggested continuing tomake extra cash through a side gigor second job.
TheConsumer Financial Protection Bureausuggested using automatic transfers and rewarding yourself to keep up the progress.
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