(Jessica) Welcome to Money Matters on the Southern Bank Financial Wellness Network. I'm Jessica.

(John) And I'm John!

(Jessica) So, you wake up one day and realize your budget is blown. It's a mess.

(John) Look, Jessica, it happens. So, first, stay calm and assess the situation! What caused your plan to get off track?

(Jessica) Sometimes those things are out of your control.

(John) Exactly. The next step is to act on the things you can control. Take an honest look at your budget. Is it realistic? Are you living within your means? Do you need to reduce in some areas and expand in others?

(John) Look for places to cut your costs. Change your cellphone plan, cut out one or more streaming services, reduce your coffee allowance, dine in more often, or bring your lunch to work.

(Jessica) That sounds doable.

(John) You know, often, it's small changes that add up to make a big difference. Next time, we'll take a look at some budget guidelines that can help prevent a crisis.

(Jessica) Thanks, John. We'll see you next time on Money Matters. And remember, Financial Wellness starts here!

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