How to Be Self Reliant

Developing Independent Habits

Assume responsibility for your life. Part of being self-reliant is undertaking certain responsibilities that enable people to experience independence. Doing simple things such as paying your bills on time, cleaning up after yourself if you make a mess, and going to work or school on time can help you feel more responsible and self-reliant. If you do not have a job, you have the responsibility of looking for a job, seeking education that will lead to employment, or starting your own business.

Be informed. Information is power, so having information will give you the power to make your own decisions and assert your independence. Try to be well-rounded and keep up with information about what is going on in your place of business or school, your town, your state, your country, and the world. For example, knowing that a local ordinance determining whether backyard chickens can be kept in your area is coming up for a vote can give you the opportunity to lobby and vote for the ability to keep chickens for fresh eggs.

Know where you are going. You should have a sense of direction. Something has to drive you. For example, if you are attending college, you should at least have an idea of what you want to do after college and what you are passionate about studying. You should also try to set goals for yourself. Try setting short-term, medium-term, and long-term goals, then be realistic about what you need to do to meet those goals. Seek out a career counselor if you are not sure what you’d like to do with your life. Career self-assessments can be found online. Many websites like this one can offer helpful guidance. Most schools have career centers or guidance counselors available to all enrolled students. These resources can help you shape a vision for your future.

Make your own decisions. Allowing people to make your decisions for you is essentially giving up your independence and self-reliance. Assert yourself and make decisions for yourself based on your goals and dreams. While it is important to be considerate towards other people, it is not necessary to give up your ability to make your own decisions. For example, if you are looking for a place to live with a roommate, be sure you are making decisions based on what is best for you. If you prefer to rent a house and have a bit more independence than an apartment building, stick to your preference and do not allow your roommate to talk you into something that you don’t want to do. It can also be common for some people to allow their spouses or significant others to make all the decisions in their relationship, from where to go out to eat to where to live and what kind of car to buy. Changing the dynamic of such a relationship may strain the relationship, but having a part in the decision making at both daily and long-term levels can give you greater control of your life. Reader Poll: We asked 237 wikiHow readers, and 67% of them agreed that the best way to seek help and information when making decisions is by searching online or using search engines. [Take Poll]

Managing Money Independently

Learn how to manage money. Allowing someone else to manage your money can lead to unwanted debt, little freedom to use the money as you see fit, or a loss of financial acumen about how to handle finances. These outcomes could make you more dependent on the person managing your money, which not only makes it difficult to leave an unhealthy relationship, if needed, but also has the potential to create difficult position should that other person no longer handle the finances (e.g., due to severe illness or death).

Get out of debt. Experts say your total monthly long-term debt payments should not exceed 36% of your gross monthly income (i.e., your income before taxes, health insurance premiums, etc. are taken out). Long-term debt includes your mortgage, auto payments, student loans, and of course, credit cards. If you exceed 36% of your gross monthly income, create a plan on how you will pay down the debt, starting with the credit lines with the highest interest rates. Possibilities include transferring balances to a lower interest rate credit line, re-designing your monthly budget to allocate more funds to debt servicing, or consolidating debt into one payment with a low interest rate. For example, if you own your own home and can re-finance, it may be possible to use the equity in your home to pay down your debt without opening another line of credit.

Pay cash instead of using your credit card. While you pay down your credit cards, resist the urge to add more to your running total. The only way you will get out of debt is to squash the debt you’ve generated in the past. While you are paying down debt, if you don’t have the cash to cover the costs, skip the purchase.You could also use a debit card, which is equivalent to paying cash. Try not to borrow a friend or family member's money either.

Keep cash on hand at all times. Make it easier to pay with cash by keeping a stash on hand at all times. However, make sure you keep your cash in a safe place. Also, make sure to build up plenty of savings so that if unexpected expenses arise (as they most likely will), you can pay out of savings rather than taking on more debt. Think about savings as a way to make a 0% interest loan to yourself. For this reason, sometimes it makes more financial sense to save rather than pay down your debt.

Own a home. Building credit and equity by owning a piece of property is still one of the best ways to become self-reliant and build wealth. Leases can lock you into a living situation you do not like and landlords can change the terms of the lease when you renew, which may force you out of a living situation before you want to change. When buying property, search for homes or condos within your budget (meaning you don’t want to take on a mortgage payment that exceeds 28% of your monthly income).

Live within your means. Create a monthly budget and stick to it. This is possible if you are honest about your expenses and build in allowances for unforeseen expenses. If you don’t know where your money goes each month, go through your living expenses (rent/mortgage, utilities, insurance, taxes) along with how often you eat out, what you buy, gas purchases and entertainment expenses. A sample monthly budget may look something like this: Mortgage/Rent: $1,000 Car payment: $400 Gas/Electric: $200 Water: $30 Cell Phone: $100 Television/Internet: $100 Food: $800 Entertainment: $150 Homeowner’s/Renter’s Insurance: $300 Health Insurance: $300 Car Insurance: $100 Gas for vehicle: $200 Child Care: $600 Credit card payments: $200 Other Expenses (may include child support, alimony, activities or classes, property taxes, or additional utility services such as trash/recycling pick-up or a “land line” telephone bill.) Seeing the expenses as compared to your monthly income on paper may create more of awareness about what you can and cannot afford. This gives you a chance to talk to people with whom you share money and set expectations about how money should be managed, which keeps you involved and more self-reliant.

Living with Self-Reliance

Identify and have knowledge of which things you must be responsible for. Some things are your responsibility whether you are aware of them or not. Being aware of them therefore allows you to actually take responsibility and look after yourself very well.

Cook your own meals. Allowing others to cook for you or buying ready-to-eat meals leads to a dependence on others that compromises your self-reliance.Cooking your own meals allows you to save money and eat more healthfully, as well as a sense of accomplishment. Take a class or learn to cook online or from television. If you are very uncomfortable in the kitchen, consider taking a class for beginners at a local community college or follow a chef on one of the food network channels. Several celebrity chefs host shows demonstrating easy recipes that can be replicated by even the most apprehensive chef. Ask a relative to teach you to cook. This is a great way to learn cooking basics. Additionally, you can bond with the relative or even learn to cook special family recipes handed down from generation to generation.

Plant a garden. A fun way to harbor independence is to grow your own food. A garden provides an inexpensive and interactive way to produce fruits and vegetables on a seasonal basis, which may also provide higher satisfaction when it comes to eating. If you live in an urban area, you may not be able to grow a full-sized garden, but you might be able to keep a tomato plant on a balcony or grow a box of herbs to flavor your food. Some urban areas even have community garden spaces or rooftop gardens that you may be able to use or contribute to. Some communities offer gardening tools for rent or host beginner gardening classes at the library. These types of resources can help you if you are a beginner.

Master emergency health basics. Knowing what to do in an emergency health situation can help you possibly save a life and lend you the confidence of feeling independent, even in the face of an emergency. Take a CPR class. In addition to the Red Cross, community colleges and hospitals offer courses in CPR and first aid, which can help you know what to do in the event of an emergency that involves choking or unconsciousness. Learn what is necessary during an emergency situation. Would you know what to do if you were camping in the wilderness and a snake bit a friend? Knowing how to tackle the “what if” scenario will help you be the go-to person in an emergency. The Red Cross has a free application for portable devices that offers instructions on what to do in a wide range of situations. Practice using medical equipment. If you or your partner require ongoing medical treatment, depending on a health care professional to give an injection or an IV on an ongoing basis may not be very convenient. Ask a nurse to teach you how to use certain at-home devices in order to be in control of the situation and provide you (or your loved one) with greater independence.

Understand basic auto mechanic repair. Don’t be that damsel in distress on the side of the road if your tire blows. Waiting for automotive assistance can put you in a vulnerable position, leaving you open to danger. For the following basic repairs, YouTube is a valuable resource for seeing how these repairs are done. For basic repairs, it may be possible to find a video for your exact make and model car, which can be helpful in case your car requires a non-standard method of repair. Learn how to change a tire. Basic tire changes can be performed by anyone with the knowledge and skill. The basic formula is to loosen the lug nuts, raise the vehicle with a jack, remove the lug nuts, remove the tire, place the spare tire on the bolts, replace the lug nuts, lower the car, and tighten the lug nuts. Consult your vehicle manual and ask a trained professional for a demonstration. Discover how an engine and belts work. Being able to examine and know when a belt is about to blow or if you could be experiencing engine trouble can save you not only time but money. Furthermore, changing belts are simple tasks where the labor charge for the mechanic will generally far exceed the cost of the belt itself. Taking the time to do it yourself can offer real financial savings. Practice performing a basic oil and fluid change. Vehicle oil and fluids must be changed and topped off on a rotating basis. A simple oil change can be performed at home with the right materials and knowledge. Each system has different recommendations and your owner’s manual can tell you at what mileages you should perform certain maintenance tasks.

Maintain your health. Declare your independence from prescription medication and seeing the doctor for every ache and pain by staying as healthy as possible on your own. Exercise regularly. The American Heart Association recommends exercising 3 to 4 times a week to reduce cholesterol and blood pressure. Keep the blood flowing and tissues healthy by indulging in a little cardio or anaerobic exercise on a regular basis. Eat a clean, healthy diet. Respecting your body means that you fill it with wholesome food that is grown from the earth and in its original state. Ditch processed, greasy fast food, packaged chips and sugary foods and drinks in order to nourish and preserve your body.

Know when to visit your doctor. It can be tempting to decide to take control of your health by simply never going to the doctor again. However, this is not always the best approach, as there are cases in which medical assistance may be necessary. If you are a “regular” at your physician’s office due to a chronic condition, you may see those visits wane if you stick to a healthy diet and exercise routine. However, you should continue to maintain a regular schedule of healthy check-ups and routine tests based on your age and risk factors for early detection. Know whether you are at risk for specific diseases due to your health, family history, and lifestyle. Learn the warning signs for life-threatening conditions such as heart disease, stroke, COPD, chronic lower respiratory disease, cancer (specifically, lung cancer), HIV/AIDs, diarrheal disease, and diabetes. Consider learning additional conditions that are common causes of death in the US: Alzheimer’s disease, influenza and pneumonia, kidney disease, and suicide or those that can cause significant disability, such as arthritis, depressive disorders, and substance use disorder.

Live off the grid. If you really want to assert your independence, try living off the grid. Save money on energy expenses by living off the land and demonstrate you really can live without assistance. Consider growing all your food. From a garden to foraging for berries and mushrooms, learn about the different types of food you can grow and eat in the wild. Be extremely cautious about eating anything growing in the wild as some plants are poisonous. You may also be able to hunt for your own meat, but be sure to follow local hunting regulations. Explore alternative energy. Join the “green” initiative and investigate various alternative energy resources available today. You’ll save money and reduce your carbon footprint by taking a few simple steps. Just make sure that you do not end up taking on debt or agreeing to a lease that eliminates the financial benefits. Try before you buy. If you are not sure if you can live off the grid, considering looking for a vacation rental home that is off the grid (e.g., in a secluded area such as an island or an isolated forest) and turn your next vacation into a fact-finding mission.

Feeling Emotionally Self-Reliant

Learn to take care of your own feelings and emotions. Emotional self-reliance means that you can process your own emotions and do not require others to validate your experience and feelings for you. Learning to process feelings and emotions on your own means learning how to be introspective and look for less obvious reasons for feelings rather than taking things at face value. This process can lead to insight about the root of your feelings and ways to you can begin to avoid negative feelings. Ways to learn how to be more introspective and thoughtful include professional therapy, self-help books, and certain religious teachings (e.g., buddhist teaching on identity and the ways that it can contribute to suffering).

Maintain feelings of self-reliance. If you already feel emotionally self-reliant in your relationship, you should seek to keep that feeling, even in the face of a major change, such as expecting a new child.

Avoid emotional “triangles” whenever possible. Often people respond to hurt feelings by engaging others to help them process the experience and to avoid talking with the person that hurt them directly. The psychologist Murray Bowen calls these situations “triangles.”

Express your anxieties appropriately. If there is something weighing on your relationship, express your anxieties and share experiences without allowing other people to heighten your anxiety, make your anxiety chronic, or trying to solve the problem for you. Put another way, people should act as resources to one another, but should not make the situation worse, and should not replace an individual’s own thinking.

Share responsibilities equitably. When two or more people have a shared responsibility, individuals must be self-reliant by meeting their individual responsibilities in a fair way. People must also be able to meet individual responsibilities without neglecting shared responsibilities. Each person in a relationship must remain confident of the loyalty and commitment of the other people, as well as their ability to meet their responsibilities. For example, if a couple has a baby, they will have shared responsibilities as parents and individual responsibilities as a worker or primary caregiver. If one person stays at home to care for the child, the person who goes back to work will have unique responsibilities and concerns. The person who stays at home will also have unique responsibilities and concerns.

Ask for help when you need to. You should try to differentiate between anxieties/problems that you can process/solve on your own and those that you need help with. If your threshold for going to someone else is too low, other people may feel burdened and become less receptive and willing to help. You may also become dependent on others. If your threshold is too high, you may become resentful and begin to see other people as selfish, uncaring, and unsupportive. You may also not get the support you need. Using others for help is healthy so long as the person does not develop a dependency on any one person for processing emotions, and the partner does not feel like loyalty and commitment have been lost.

Assess whether new challenges are shared or individual responsibilities. As relationships grow, there will continue to be issues and responsibilities that are specific to one person, as well as issues and responsibilities that are shared. As these issues arise, one must recognize whether the issue/responsibility is their own or shared, and one must engage the other partner or other resources as needed. Like a President or other head of state discussing an issue with key advisors, the individual must be able to trust himself or herself, as well as the people being consulted to be self-reliant. He or she must also know when the decision should be shared and make sure that the other person feels trusted and involved. For example, as a couple’s child grows, both parents must develop their own relationship with the child and their own parenting style while also co-parenting, especially on larger issues that require both parents to work through (e.g., going to college). People must take care of their own responsibilities and feelings while also recognizing the right of the other parent to do things differently at times.

Process emotions through journaling. To help you keep track of the emotional development within a relationship, consider keeping a journal. A journal is basically a day-to-day record of your activities, but it is different from a diary in that the focus of the writing is inward and the tone is reflective and musing. For example, instead of simply saying that you and your partner went to look at baby furniture, you focus on how you felt throughout the experience, using the events of the day to help organize your thoughts. Journal writing is self-directed and has no fixed rules or procedures, but here are some tips that may make it easier to get started: Find a special spot that is clean, comfortable, and quiet. You should also be able to return to this spot often and, if privacy is important to you, this spot should be relatively private. Before you write, allow yourself time to relax and reflect. Use music to stimulate your emotions. When you are ready to go, just write. Do not worry about perfect grammar, spelling, or word choice. Do not worry about how others might read what you are writing or how it would affect their opinion of you. Think of your journal as a confidential and judgment-free space.

Be persistent with your journal. If you have trouble writing, use one of these prompts using emotion. To decide which emotion either take the first emotion word that pops into your head or grab a dictionary, thesaurus, or any book and flip through until you find an emotion word. Don’t spend time selecting a word, just take the first one you find. Insert that emotion word wherever you see below. If the emotion was particularly important to you, take a week to write with all six prompts and use the seventh day to read over what you have written: Write at the top of the page and free associate down/across the page until you feel at peace and no thoughts are coming to mind. What does it mean for you to feel ? When have you felt most ? Are you more or less connected to others when you feel ? When have you felt least ? Are you more or less connected to others when you do not feel ? How do you react to in others? What is the source of this reaction? Reflect on a quote that includes in it.

Review your journal entries. As your journal grows, periodically review what you have written, focusing on the ways that your relationships have changed, and you have become more/less self-reliant. Where you see room for more self-reliance, think about ways to (1) assume responsibility, (2) be informed, (3) know where you are going, and (4) make your own decisions.

Seek counseling if necessary. While it may seem counter-intuitive, getting helped from a good therapist can make you feel more self-reliant. Journaling can bring up emotions that can be difficult to deal with on your own, so be ready to ask for help if you begin to feel overly anxious or depressed.