KNOW YOUR OPTIONS FIRST   Financial decision-making based on situational circumstances sometimes force people to take steps in their lives that they’d rather not face. I’ve never hit rock bottom or near that state financially myself but I do have close friends who have and it’s not a fun place to be in. They may not be the best decisions to make at the time but you might feel you have no choice. The problem with this is when you feel you have nowhere left to turn sometimes the decision-making could come back to haunt you. First off, panic is not the solution when you run out of money or your bank account is nearly $0 but you should never let your finances get to the point where you have nothing in the bank. I know decision-making may bring uncertainty and things happen but the lesson you might learn should pave the way for your financial future. We learn from our experiences in life or at least we hope we do. Procrastinating is not going to put money in your bank either and if you are faced with financial challenges then you must make the best of what you’ve got. […]