steps on how to start over in life

How To Start Over In Life When You're Broke

Sometimes you have to hit rock bottom before you realize what you really want and go after your dreams. If you are in that place—financially broke and emotionally broken—don’t give up. This is not the end, but the beginning of your new life.

Here are some ways how to start over in life. If you just lost your job, got a divorce, or are facing any kind of huge crisis, use this to get back on your feet and rebuild your confidence, career, finances, and hope.

Starting Over When You Are Financially Broke And Emotionally Broken

Write Down Your Strengths And Skills

You may think you “have nothing” but that’s not actually true. You have talents, skills, and strengths that you can use to make a good living.

Think of hard or trained skills, technical skills (good with computers, can speak a second language fluently, know carpentry or cooking), and soft skills (good with people, organized, good at problem-solving).  

You won’t know how to start over in life if you don’t acknowledge your strengths and believe in yourself!

Look For Available Training And Resources

When you first start looking for a job, you may have to start small with part-time work just to pay the bills. But you also have to think long-term: how can I increase my chances of getting a better job with a higher income?

There are many community centers and state programs that provide training or job placement. Some will even provide scholarships and allowances for daycare. In South Carolina, organizations like NCWorks Career Centers and SNAP also provide mentorship programs that will help you find the right career and give advice on how to start over in life.

You can also sign up for free online classes or workshops, or ask your local college if they have scholarships or short courses. While a part-time job will help to pay bills today, always grab every opportunity to improve your education and experience.

how to start over in life when you are broke road

Review Your Budget

When you’re broke and still figuring out how to start over in life, every cent counts. You need to make a budget.

You may ask, “Why bother making a budget when I don’t have a lot of money? I already know it’s not enough.” That’s like saying you might as well not use a steering wheel if you don’t have a lot of gas in the tank.

A budget is your plan for using the money you have. It can help you prioritize your most important expenses, and find ways where you can reduce spending.

Apply For Financial Assistance Programs

South Carolina has several programs that can help you cover the cost of food, utilities, and other basic needs as you figure out how to start over in life. Some of these programs are:

  • LIHEAP (Low-Income Home Energy Assistance Program)
  • SNAP (Supplemental Nutrition Assistance Program)
  • ABC Child Care Program
  • Social Services and Cash Assistance
  • Free Community Medical and Dental Clinics
  • Transitional Housing
  • Low-Income Housing Vouchers

Find out how to apply to programs like these right away. Since approval can take time, you may need to find temporary help. Ask churches and local centers how they can help, or where you can get assistance. While they won’t have as much funding as state programs, they typically release funds a lot faster.

Get Emotional Support

Change can be stressful and emotionally draining. It’s important to have a strong emotional support system—friends, family, community support groups, or even online forums. They can provide encouragement and inspiration when you feel tired or overwhelmed.

Aside from a personal support network, turn to “virtual mentors”: books, podcasts, or blogs that share motivational stories and tips on how to start over in life. Always believe that if they can do it, you can too.

Need Emergency Cash Now? Where Can You Go

It’s never too late to get the life you want. Even if you’re broke, and still figuring out how to start over in life, remember that you have the skills, support, and resources to survive.

But what do you do if you have the determination, but you’re short on cash? 

Carolina Title Loans, Inc. can help. You can take out a title loan and borrow up to $15,000—enough to overcome a financial emergency and get back on your feet.

glasses and notepad the says financial relief with car title loan

What Is A Car Title Loan?

A car title loan is a loan where you use your vehicle title as collateral. Unlike traditional bank loans, you can apply for one even if you have bad credit or no credit history, or can’t provide proof of stable employment.

Who Can Get A Title Loan?

All you need is a vehicle title that is registered under your name. The title must also be lien-free, which means that it is not being used as collateral for another loan, and has no current judgments against it.

How Can I Apply?

Fill out the online form on our Carolina Title Loans, Inc. website and one of our loan representatives will call you to explain the title loan process and answer all your questions. When you’re ready, either go to the branch or arrange a time and place where you can meet. Be sure to bring your vehicle title, the vehicle for inspection, and a state-issued ID.

The representative will verify your documents and determine the loan amount you qualify for. Once the loan is approved, you get the cash that very day, or the next banking day.

Apply For A Title Loan Now!

We are here to support you as you rebuild your life. Contact us now and let’s talk about how you can take out a car title loan for financial emergencies.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.