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There are not many people on earth who like to admit that they have money problems.
They prefer to ignore them instead of finding a way around them.
Call it pride, call it what you want, people do not like to admit they’re bad financiers. Worse still, fewer people seek help until it’s too late.
If any of you have been there, you know the feeling. This is how you feel when you know that you have just made a bad financial decision, but you are trapped in the consequences.
You swear not to repeat the same decision, but a few months later.
The blame game starts and you try to explain your money problems as if the “system” was being manipulated against you. And while this may be true, there are probably some lifestyle choices that will hold you back financially.
Suppose we are completely responsible for our own financial difficulties. Are there things we could improve? Most likely, there are.
Sometimes the necessary changes are obvious. In other cases, mediocre financial decisions are rooted in our personality – in who we are.
4 Easy-to-solve Lifestyle Causes for Your Money Problems
Today, we will explore four lifestyle decisions that we do not know we’re in control of, their impact on our spending decisions, and how we can make light cause gains together with our money problems.
#1 You Spend More
Every year I hear about these mythical people who are smart enough to save the Christmas warranty for the purchase of gifts throughout the year.
And every year I think, “Hey, I should do that” But I never really made it.
Instead, I owe a ton of money in a very short time without really planning it.
Christmas, a nice holiday, an unexpected car repair; these are all things that we know they come for, but very rarely, if we do not really save.
The solution to this problem is very simple:
Every month for the first 11 months of the year, start saving money every month.
Consider each monthly deposit as an instant victory, as opposed to a larger, delayed profit if you work overtime to save money and eventually get a large salary.
In this way, you actually play in a natural cognitive tendency called hyperbolic tilt.
It works like this: Long-term satisfaction of regularly saving and looking at your progress takes precedence over larger but late payments.
In other words, take a moment each month to enjoy the glory of your savings.
One clever way people start saving for certain things is this cute little app called Rize.
Here you can set specific goals, eg. For example, if you want to buy a particular item, and track the progress as you begin to save.
It’s basically a savings account with high returns, aside from the coolest ways.
Their interest rates are usually above the national average of most savings accounts (not really, at around 1.43% APR, they are 25 times higher) and the interface is extremely elegant.
With automatic deposits and a free $5 registration bonus, you can have a fun mini-dance every time a little money gets into your account.
CHECK OUT this simple 5-minute Rize configuration tutorial for those interested.
Think about how stress-free the holidays will be later if you’ve already won the saving game today.
#2 You Do Not Sleep Enough
Before I talk about work so as not to worry about your money, let me briefly talk about how sleep can have its own benefits.
There is a lot of knowledge that sleep deprivation is related to obesity, longevity, memory, concentration, mood, heart disease, diabetes. etc. If you do not get enough sleep, you have fewer resources to cope with stressors.
The opposite is true when adults are well rested.
If we have slept enough:
- The regulation of emotions is stronger
- Self-control is better
- Working memory is sharper
Together, this means you can manage stress and worry in a healthy way through more sleep.
Arianna Huffington‘s mission is to help Americans understand sleep better and understand why we need more sleep.
Have you ever thought that you could literally create stress for yourself (on money or whatever)?
Well, in the middle of her booming career she made it. Huffington fell and hit her head against a desk because she was so sleepless, stressed and overworked. It took her a moment to come to Jesus to realize that she had to take time for her own good.
Although his main stressor was not primarily money, the principle still applies. If you take better care of yourself, you are better equipped to silence unsuccessful fears in your life.
#3 You Do Not Exercise
In addition to the lower back pain associated with these extra pounds, your lack of exercise hurts elsewhere.
Seated lifestyles are directly related to an increased incidence of heart disease, hypertension and stroke. To insult the injury, all three are listed on a list of the 10 most expensive reasons for hospitalization. With more than $ 15,000 per hospital stay, a single battle in one life (with the lifting of future readmissions) under these conditions is enough to ruin many people financially.
Apart from the development trends, the psychological, social and physical benefits of routine exercises cannot be overstated.
Feeling stressed about a bill? You do not know what to do after unexpected expenses have completely exhausted your savings? Queue this YouTube HIIT video.
There is no right or wrong answer here. The simple act of being active releases endorphins, increases mood and provides concentration.
To avoid stress-related stress, it is important to prioritize the time you need to do something that you love and do it regularly.
In addition, it should not be a big financial investment to have 30 to 60 minutes of cardio several times a week. There are many affordable ways to work that will not break the bank.
Budget-friendly training ideas:
- Be paid to lose weight
- YouTube provides high-quality training videos for all types of exercises.
- Walking with your dog is a classic way of getting started in 45 minutes
- Make a circuit of a Pinterest printable in your living room for free
- iTunes offers free guided workouts
- These 5 exercise programs are under $ 25
- Gym test subscriptions are often discounted or free at this time of the year
- Ask buddies in your gym for “Buddy Passes” for driving lessons.
- Strength training with your baby
- Get 30 minutes into your office and 2,000 during an afternoon walk in the office.
- Ask for member discounts for the wizard (my yoga studio offers unlimited free membership).
In 2017, I managed to shape something that looks like a habit. After all. Yoga has helped me to cope with my stress, and that includes the benefit of having to keep an eye on my finances week by week.
#4 You Have The Wrong State Of Mind
Ignoring the problem is one of the worst things you can do when in a difficult financial situation.
And yet most of us do it. Do not talk about catchy.
Instead of ignoring your money problems, bring them to the top of your mind. Visualize the exact steps that you follow and then, apply them.
One way to do that is to meditate. It may sound stupid but listen to me.
The benefits of meditation are similar to those of sleep and exercise.
Concentration, attention, stress management, and increased compassion are some of the benefits of this long-standing practice that has become fashionable.
Indeed, in the origin of meditation practice, the monks are so skilled that they can neurologically alter their heart rate. Fascinating, no? If they can enter and maintain a peaceful trance for hours or days, they can get involved!
Great options for beginner meditators:
- Headspace describes itself as a “personal meditation leader in the bag”. It is perfect for beginners! With Headspace, you can set up a base subscription to test certain features. Full membership fees range from $ 7.99 to $ 12.99 / month.
- Have you ever tried a guided group workout on YouTube? Why pay for a costly training program when a variety of free content is available online? If you are a beginner and want to explore different types of meditation or different instructor styles, this is a great place to start.
- The meditation workbooks are also great for learning the basic meditation techniques to take you alone into the wilderness of everyday life.
When I attended a meditation workshop at graduate school for the first time, I was not sure I liked it, even though I knew that the science of mindfulness was good. It is now an integral part of cognitive behavioral therapies and is often included in modern yoga practices.
Take breaks all day to return to the present moment and let go of your money-related stress.
Your Money Problems Are Unlikely To Go Away Overnight
When you start, start small.
Sleeping, doing sports, meditating, and saving for big expenses are just a few ways to reduce our worries about money.
Select an item from the list and start today.
When you deal with one thing, your confidence in yourself is strengthened and you feel ready to see everything that awaits you.