Finances Without Worry

Posted on March 20th, 2015 by Freebie Felicia

worry

One of the biggest problems that comes with money is stress. We stress about what to spend it on and where to spend it. We stress over how much things are worth. We stress about spending habits and our budget. Then we turn around and worry about what would happen if we didn’t have money. Thankfully, it doesn’t have to be that way. There are a few things we can do to reduce the stress and worry that comes with money.

Prioritize

There are really important things that need to be paid and other things that can be worked around. Rent needs to be paid immediately at the time it is due. A routine dental appointment could be put off until the next payday. Make sure that the things at the top of your priority list are those things that you can’t live without. Everything else will fall in place or out of your life for a while.

Pay It Now

One of the biggest budget killers is procrastination. We lack the desire to lose money, even to our bills. As a result we put off paying larger bills. While the desire to save money is good most of the time, it can only be done after the bills are up to date. Mark what bills are due and when on a calendar. Then pay them early or at least on time. Then they won’t forgotten or be paid late.

Budgeting Meetings

One of the biggest problems with a joint account is both people spending the same money. It is far better to spend a few moments each week going over upcoming expenses, than upset over who spent what. Don’t just discuss bills. Also discus plans to spend on clothes, lunches, or presents. When an unexpected expense comes along take a second to text or call your partner about it. At least that way you both know where you are financially.


What To Do When Finances Get Tight

Posted on May 15th, 2013 by Discount Debbie

Most of us have been there. Those months where things get tighter or when unexpected expenses take over and make your financial situation seem dire. It can be awfully stressful. But there are some things you can think about and do to help your situation.

1. Try not to stress. So much more easily said than done, but psychologically worrying and stressing about money will make it worse. Worry, fear and doubt usually paralyze more than they actually help. Write your thoughts out, talk to a friend or seek some kind of financial counseling. It will be better to deal with your financial problems with a clear head.

2. Prioritize. If you can’t pay your bills, you’ll need to prioritize your bills. Personally I think food and your mortgage/rent are the most important. Remember that other bills are sometimes negotiable. If you can’t pay your credit card bills, call them and work something out. So often people will work with you if you’ll just ask.

3. Cut back. This is tough, but it’s a very easy way to take off some pressure. You don’t NEED cable or the most expensive phone package. Think about cutting back and relieving that stress. Even a couple hundred dollars a month will help a ton.

4. Plan, plan, plan! I can’t even begin to explain how much this has helped us. Anytime we’ve been in a financial bind, we feel better just planning our strategy. It also brings my husband and I closer when we can communicate about these things more.

5. Spend $10 on yourself. I know this sounds counterproductive, but “buying stuff” helps me save. The mentality of “I can’t buy this” or “I can’t afford that” is very taxing on the psyche. Sometimes something as simple as a $10 bottle of nail polish will get you through months of less spending and even cutting back. It’s purely psychological, but it helps me.

What do you do when finances get tight? 

 


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