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Money worries can be endlessly stressful, and once you have them, it’s hard to get rid of them for good. However, that doesn’t mean it’s impossible – it just means you need to commit to changing your mindset, and in most cases, your behaviour, so you can live a more relaxed and financially free life. Let’s take a look at what you should do to eradicate these money worries for good:
1.Come Up With A Plan To Eliminate Debt
Start by coming up with a plan to eliminate any debt you have. This can be the hardest part, but if you’re in debt, it’s often the part that requires the most attention. Even if you’re in a small amount of debt, it will cost you money each month. Here are some pointers:
- Figure out a way of paying off debt that resonates best with you. Would you prefer to pay off small debts so you feel more accomplished before handling the bigger debts, or would you rather get rid of the bigger debts first?
- Put as much as you can towards your debts without having to struggle. If you put a huge chunk of money towards paying off your debts, but then don’t have enough money to survive the rest of the time, you’re going to end up back in debt. Be reasonable.
- If you can’t trust yourself not to use your cards, it could be an idea to cut them up or even bury them in the garden.
2. Build Up An Emergency Fund
Having an emergency fund, once you can worry less about your debt, of course, is a great way to ensure you have peace of mind. This way, you likely won’t feel under pressure to use your cards or any loans, and will be able to cover your expenses if something happens. You never know when you might need to take a pay cut or something, and this helps to keep you safe. Many experts recommend saving 3-6 months expenses, but having just $1000 will make you better off than most people.
3. Figure Out Where You Want To Be In The Future
Having a solid idea of where you’d like to be in the future can encourage you to save and prepare. If you want to move abroad, then you should start planning for that as soon as possible.
4. Explore Ways Of Making More Money
How can you begin making more money to support your lifestyle and goals? Perhaps you could ask for a payrise, look into passive income streams, or use Wongagames. Whatever you do, make sure that it’s a viable option for you.
5. Reassess Your Spending Continuously
Continue to reassess your spending throughout this process. Be honest with yourself. Try to be as self aware as possible.
6. Try To Stay Positive
A positive attitude is key when trying to eradicate money worries. Your beliefs and mindset are everything to your success.
7. Take Baby Steps
You just need to continue taking small steps in the right direction. Not sure what direction to go in or feeling overwhelmed? Speak to a professional and get it off your chest.
A frog and a scorpion were sitting on the bank of the River Jordan. “Hey frog,” said the scorpion. “I need to go to the other side of the river. Would you carry me across on your back?”
“No way,” said the frog. “If I let you come close to me, you’d sting me and kill me.”
The scorpion said, “That would be stupid. If I stung you while we were in the river, we’d both drown.”
“Hmmm, that’s true,” said the frog. “OK, hop on.”
So the scorpion climbed on the frog’s back and they headed out into the River Jordan. Halfway across the river the scorpion stung the frog.
“What did you do that for?” cried the frog, as they were both going down for the third time.
“I couldn’t help it,” said the scorpion. “This is the Middle East.”
— “Boss, can I leave work two hours early today? My wife wants me to go shopping with her.”
— “That’s out of the question.”
— “Thanks, boss! I knew you wouldn’t let me down.
3 people died and went to Hell. One of them is from America, the second guy is from Germany, and the third guy is from Afghanistan. The devil lets each person make a phone call to their loved ones in the country they came from but they will be charged. The American spends 10 minutes on the phone and is charged $20. The German spends 12 minutes on the phone and is charged $24. The man from Afghanistan spends half an hour on the phone and is charged nothing. The other two guys asked the devil why. The devil responded: “Local calls are free”.