<human>:  What are positive ways to handle money problems?
<bot>: 
1. Create a budget and stick to it.
2. Start an emergency fund for unexpected expenses.
3. Talk to family and friends to get advice on budgeting.
4. Make an effort to save money by cutting back on unnecessary expenses.
5. Consider getting a part-time job to make extra income.
6. Look into reputable loans and assistance programs if needed.
7. Seek out free financial help and resources.
8. Look for free ways to entertain yourself instead of spending money.