We navigate some of the most challenging moments in our lives by examining the archetypal passage of crisis.

Money can’t buy you happiness, so said a wise and probably wealthy man. We all know in our hearts that the most precious aspects of our lives are priceless, but the reality is, when you’re broke, you’re pretty miserable. Being denied things you want to buy is the pits, and what if the thing you want to buy is lunch? Or dinner? Or healthcare? What if you can’t make rent?

The USDA reported that for 2012, an estimated 14.5 percent of American households were food insecure at least some time during the year surveyed, meaning “they lacked access to enough food for an active, healthy life for all household members.” That’s about 47 million Americans, a staggering amount when you think about it. In addition, The New York Times has reported that “as many as 9.7 million households, out of roughly 75 million owner-occupied homes, still owe more on their mortgages than their home is worth.” Americans with student loan debt? Approximately 37 million (from the Federal Reserve Board of New York). And guess what? One in three Americans have credit card debt.

At one point or another, we all feel a tug on the purse strings – either you’re living paycheck to paycheck or you’re in debt up to your ears. The tried and true method to avoid a financial crisis is to use preventative measures to make sure you don’t get in over your head. So we asked around, what are some good financial life hacks for your archetype that you can use right now? 

The Royal without any cash flow is a sad sight indeed. The road to recovery is paved with the tears of a queen: (1) cut up your credit cards except an emergency one – I know a person who then freezes that one card in a block of ice; and (2) Learn to cook! You will save so much by eating in (unless it’s work-related, of course). Your let-them-eat-cake days are over!

Bottom line: No more extraneous spending. Curb the unnecessary expenditures (restaurants, extra clothes, luxury anything).

Singing for your supper? The Performer cannot live outside their means and is usually working two and three jobs already (waiter-actor, receptionist-singer, hostess-ballerina) to make ends meet. So what you can look into is a credit card with rewards. Mike Cherepko of Brooklyn says, “American Express Blue Cash Everyday is the best credit card. 3% on groceries! 2% on department stores. 1% everything else.”

Bottom line: You’re tapped out! You have to make your money work for you, so start by getting in on a rewards program.

Despite your best efforts, you still need to have money. The Spiritual lives beyond such realistic confines, but when you come back down to earth say, in line at the grocery store, you suddenly have the weight of the world on your shoulders. A great start for the Spiritual is mint.com. You simply link your bank account (if you have one) to the site and it organizes, categorizes and alerts you to what’s what with your dough. 

Bottom line: Get ONline. Use budgetary apps and sites like mint.com to make good decisions and keep track of your funds.

Oh, shopping temptation is mighty with a Tastemaker. Alicia of Bethelehem, PA says, “I always live by this idea that you don’t get your dessert before you finish your veggies. If my bills aren’t paid I do not get to buy a new dress. If I can’t buy real groceries, I do not get to go out to eat or buy cake!” Another money-saving option: hit consignment, thrift and “second time around” stores for designer goods.

Bottom line: Take care of important bills first, and then if you can afford it, treat yourself to the new pair of shoes or lipstick. And go secondhand!

The Explorer isn’t about to give up traveling, so how can you save a little bit while on your path to adventure? Our own Amy Williams has a few cheap travel tips if you’re hitting the road: “Go to a hostel, they’re not just for kids anymore. Plus, skip the fancy tourist destination hot spots and find out where the locals eat, they’re usually cheaper!” You’ll probably end up discovering some great finds, plus save some money to boot.

Bottom line: Leaner times mean journeys rife with new experiences.  

The Advocate has an endless reservoir of charity, it seems. “When I was my most low on money, I gave to those that had even less than I did. And that made me feel better – even a little bit counts for someone!” says Megan Whitaker, a teacher in New Mexico. If you’ve truly hit bottom though, cut back on charitable giving for a season to recover your finances.

Bottom line: If you have any leftover change to give, do it. It will feed your soul.

Laura Williams, a paralegal in Massachusetts, recommends printing a monthly budget on the first day of every month that includes “dates of when each item is due and what account it gets paid from… stick it on your fridge and then check it off when it is paid so you can feel accomplished.” You’re really good with lists and plans, so this method will help you get your life together. Don’t forget the gold stars!

Bottom line: Paper begets paper. Print out a budget, put it on your fridge and follow it. Stubbornly.

Keith Macdonald, owner of Sixth Borough Studios says, “Learn how to do things for yourself. Whether it’s cooking, laundry, household fixes, or yard work, you’re paying someone else to provide a service you could very well learn on your own. You never know what you’ll end up with a talent for and by developing skills you open another possible revenue stream for yourself in the future.” Perfect advice for the starving artist.

Bottom line: Get the skills to pay the bills and fix up your stuff yourself.

The easy solution for the Athlete lies in what you’re spending your money on. Do you really need the fancy gym membership? Can you instead go to a local gym like the YMCA? It may even be worthwhile to pick up running at a local track (which is free) during the warmer months. Also, reward yourself with the fancy athletic gear only when you hit major milestones or goals. Not only will it serve as motivation, you’ll find you won’t be spending needless cash on glamour items.

Bottom line: Find a cheaper gym and stop buying the latest gear on a whim.

Rebels don’t particularly like the idea of paying bills, having bank accounts, or living within their means but to be honest, you cannot feed yourself (or buy cocktails) if you have no money. Most rebels rely on a cash-only lifestyle. Gina Marie Rodriguez, bartender and musician, says, “I have a strict envelope system [for cash]. Figure out your budget for the month – rent, phone, utilities, credit card payment – divide envelopes into weeks, and put that away without fail, without cheating or borrowing. Squander the leftover if you must but that’s it.” Also, don’t underestimate the power of partying at home.

Bottom line: Cash is cool, but make sure you organize it and pay your bills first. Also, consider pre-gaming at home before hitting the bar.

Student Eliza Butler Evans from Chicago says, “Start a new account at a different bank or credit union and use that card only to buy stuff online. That way when you want to buy miscellaneous stuff or presents, you use only that account. Plus, it’s not as disastrous if the number gets stolen and there’s an added bonus – if you choose a credit union and you eventually need a mortgage or a car loan, you already have a relationship with them.”

Bottom line: Establishing a credit union account will not only help organize your finances, you are automatically ready to get loans for the big stuff later on.

Owner and operator of Underground Press, Tommy Rockstar, swears by The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich, calling it a life-changer. And since you’re no stranger to approaching life differently, heeding some eccentric advice should come naturally to you, and it might actually help you turn those pennies into pounds.

Bottom line: Following new, unique (and out there) approaches to saving and spending works with your entrepreneurial nature.