Editor’s note: This is a transcript of the audio file.

Everyone experiences a financial setback at some point. Whether it’s a job loss, medical bills or a failed business venture, you can take back control of your life and your finances.

I’m Sheyna Steiner with the Bankrate.com personal finance minute.

First, you need to keep your financial situation in perspective emotionally. Instead of focusing on the bad, frame it as an opportunity for growth. If your money-related depression lingers, don’t hesitate to find a therapist or counselor to help you with your feelings. Some charitable, religious and community based organizations offer help with reduced fees.

In your rush to repair your finances, avoid people or companies that offer a quick fix. Most of them are scam. Get help from financial institutions that offer counseling to members or religious or service organizations may have personal finance programs.

Finally, start putting away as much money as possible into an emergency savings account. The next time something unexpected comes up, having extra savings on hand will ease the burden.

For more on this and other personal finance issues, visit Bankrate.com. I’m Sheyna Steiner.