Talking with your family

Perhaps the hardest piece of advice in this whole tutorial for anyone to follow. No one wants to admit failure and defeat -- even if it comes at no fault of your own.

That said, your family are the very people you MUST talk with. These are your loved ones and key supporters.

In addition, since their lifestyle and spending habits may have to drastically change in the near future, it’s best to prepare for the changes as a family.