It can be difficult to pay your bills, and enjoy yourself when you are underemployed. This means that you do not make the money your education and skills warrent. In addition to be taxing financially, it can be difficult emotionally to continue to work for less money than you should be getting. Many people have settled for less money after the recent downturn in the economy, trying to get something to just get by. This is often a temporary measure, but it can be difficult to overcome in the long run.
Underemployment may make it difficult to meet your basic needs, and it may mean that you are working more than one job just to survive. You may be emotionally and physically exhausted. You need a plan to change the situation, so you can begin to meet your financial goals and enjoy your life. It is more than just finding a new job. You should look for a good job that you will enjoy, and that will help you achieve your career and financial goals. This may mean taking new classes or completely changing your career path. In the meantime you really need to work to live within your means so you do not have a big mess to recover from.