Bankruptcy can be financially and emotionally devastating, but it doesn’t have to ruin your life. While it will cause your credit score to plummet, it’s completely possible to rebuild your credit score and move on with your life and financial goals.

Here’s how to rebuild your credit score after bankruptcy:

Have a Strategy

Rebuilding your credit won’t happen overnight, which is why it’s important to create a solid strategy so you can stay on track. You’ll need to prove yourself to lenders, and create smart financial habits so you don’t make the same mistakes.

The first step is to look at your current financial situation. Where are you owing? Which bills have you not been able to pay? Check your credit reports. You can also review whether there are any errors or inaccurate information. Expert bankruptcy lawyers (more here) should be able to help you make a plan moving forward and show you what solutions are best for you.

Stick to a Budget

Now’s the time to create a budget you can live with. Look at how much money you get each month from your salary, or by being self-employed and compare this to your expenses. If you need more wiggle room, you have may need to either earn more or spend less. Many people find that a side hustle is a great option for them, from freelancing to driving for Uber or Lyft. Otherwise, slash your expenses by eating out less, entertaining at home, and finding ways to enjoy your life without having to spend big bucks

It’s also a good idea to create and add to a savings account either weekly or monthly. This way, if you need to pay for something unexpected, you won’t have to rely on credit.

Increase your Credit

Lenders are likely to be hesitant about lending you funds at first. That’s why your best option may be to apply for a secured credit card. These use your own money and are a good way to prove that you can be responsible with credit. If you’re in need of money in short order, an online loan from a lender such as 24 Cash could be an option, even if you have a bankruptcy in your file. Paying back such loans on time is a good way to rebuild your score by borrowing responsibly.

Play by the Rules

As you rebuild your credit, make sure you keep a close eye on your credit score. Immediately notify the bureaus if you spot any errors, and focus on paying all payments on time and never utilizing more than 30% of your available credit at any one time. This type of behavior will help your credit score rise.