conv: I am convinced my family's finances will soon turn around.  Hard work and never giving up will be the key to it.  I believe it will happen. Financially_comma_ things will turn around for my family soon! I hope and wish so. In this tough economic climate many are finding it difficult to cope with financial responsibilities Yes_comma_ and we had a layoff of five months.  I believe in a brighter day_comma_ though_comma_ so I know it will improve. Being optimistic will help you alleviate much of your accumulated stress