I had been a victim of recession and have recently earned a stable financial after three years of hard ship. But the journey of filing bankruptcy and then coming out of it made me learn a lot. What I have learned through this journey is that no one will help you emerge from depression and hard-times until and unless you don't take responsibility and work for it yourself. These are few of the guidelines that I followed to get my life back on track.

Hold on Tight to those who are sincere

I saw many of my close friends and alliances turning their back on me, when they came to know about my bankruptcy. But then I realize that only people who supported me in this time are only my sincere friends and then I hold on them tightly. I seek their help when it was required but then also I missed no chance to return the favor and be there when they needed me.

Take Responsibility

Taking responsibility of your actions is one of the basic steps. I realized that it was no one else but my wrong decisions and extra expenses that brought this on me. Thus, I started keeping a close check on my expenditures and even started preparing a monthly plan-and-review for my savings and expenditure, this way I am now able to save myself from spending extra.

Get Back to Work

A wise decision that I wasn't able to make was to take up a job as soon as possible. But I gradually learned that taking up a job or continuing with your present job is best to keep some money in rolling and it is even useful to skip your worries and tensions for a while.

Keep Track of Debt

To avoid previous circumstances I actually started to keep a track of my debt and even check my credit card report regularly.

Get Some Experts Advice

A good habit that I adopted in the process was to boost my financial literacy. I picked up some financial literature on my way and it actually helped me in many scenarios. I also learned a lot from the experts' advice. So I'll surely suggest everyone going through financial crisis to at least adopt this habit on the go, it is indeed very helpful.

Of course I have to give credit to my bankruptcy lawyer from Bill King offices, that helped me a lot in the process and really made the things easier for me.