Time to address the Elephant in the room. Money worries, financial stress, and money anxiety.
Is a big problem in lots of individuals and families, who find it hard to cope with their debts, and live in constant fear of not having enough money? The way we deal with money, is a matter of life or death, and is a statement that money doesn't bring us happiness, but can help us buy it.
I agree that we should be thought at school some money management techniques, but when we start living on our own, paying our own bills, then the shock of how much we need to pay for our basic necessities, and the voice of our parents in the back of our heads saying: " One day you will know how much running a house costs."
And to be fair is difficult to keep up with all the temptations that make a person spend money, the ads on the TV, the music videos with people throwing money, with fancy cars, close, and beautiful women around, the society is an immense scream of being rich or you are not living a decent life. But the reality is that we are not making the right sense of what is money, and how much it really worth for us.
How much money do you need to live your dream life?
I will start by making you think about how much money you need to make your dream life?
Did you ever sit down, and write the big number on a paper?
The answer to this question is for a big majority of people no, because we assume that if we ad £10000.00 all would be perfect, but if we are bad managing the little money we have now then it will be worse if we add much more, with no control, or budget in place.
Another funny acknowledgment, that I really love, is when we stop to think what we would do if we win the Euromillions. I do that to fall asleep sometimes, LoL. And in this situation we see our self giving money way to our family and friends. That clearly shows that we want to have more money, to live well, but also to show to others, and give some way.
These are simple examples that can show us how we dream about money, but in reality, we are after what money can bring as a sensation of security, comfort, and a feeling of having control over our financial life.
Now is time to demystify that money is something bad, and take your control back.
Money is just a thing, that we use to exchange for other things, simple as that. Yes, we needed it, is not a monster. and we have to make peace with that, and start thinking about money as a way of you to have all you want that really makes you happy. Instead of feeling bad about it, we should feel excited with all the possibilities, and doors that money will open for us.
In Order to enjoy it, you have to come to a peaceful place with it, starting to accepting that you will be the master of your finances. And remember that is not going after a, "get rich quick scheme", that will make your money problems go away, but simple money management skills that you can learn, and a clear plan of what you really need the money for.
Grow is a natural state in the planet we live, and all is expansion, even out there in the space, then wanting more and better, is natural.
The sensations of dissatisfaction that you have about your financial state are normal and truly natural, you are made to live fully, rich, and in all your glory. Anytime that you have to count money, and worrying about don't have enough, you are right to feel that this should be different.
Grow is a natural state in the planet we live, and all is expansion, even out there in the space, then wanting more and better, is natural, don't you ever feel bad about it. Embrace it, dream bigger, and instead of feeling bad because you don't have enough, start instead planning ways that you can be richer, having more money, to fulfill your true potential. Get inspired in your monetary expansion.
I decided to share with you one book that will help you tackle all your debt problems. The name of the book, is The Total Money Makeover, by the author Dave Ramsey. This book has the perfect tips, that really work, in solving your debts forever, and also bring you some financial stability, with real savings in your bank account. But as I said, are no miracles in life, without a step of faith, and discipline.
I loved this book, because of the way that the author takes the trouble of making a budget, and makes it fun as a reversed budget, that is made with the household before the month beginning, and in there you can pre-select where you will spend your income, giving the privilege of anticipating your bills, instead of feeling behind it. This book also contains a step-by-step plan, for you to get rid of all your debts forever. Check it, and let me know in the comments if it worked for you, as I had excellent results.
Pick the Downloadable PDF eBook all for free, when you finish reading this article, at the end of this page.
Look for help, in case you feel that you need it.
Stop panicking about your debts, because everyone has them, and start just dealing with them in a more intelligent way.
Look for help, in case you feel that you need it, in the UK you will have free debt solutions agencies, as Citizen advice, or PayPlan, that will literally contact all your debtors for you, and make them aware of your circumstances, and if you are behind essential bills, like rent, tax, gas, electric, your debtors will have to agree in a temporary freeze, that can last to 3 months, to allow you to get on top of this bills first.
Also is possible to do a token payment, which can be a little as £1 for months, till you are back on your feet again. This all process will take 1 hour or 2, here you will have to go true your incomes, and expenses, but this will save future letters, calls, and worries.
Don't get caught up in non-sleep, and anxious days thinking about how you can manage to pay the rent this month, instead, look for solutions, that will make you feel great about the options you have, and ways to enjoy your money better.
Bring all the family on board in this money makeover.
Start to use your money in a more wise way, also helps, and is normal that we can get carried away, or simply let our bank accounts flowed with memberships, and subscriptions, that we don't really need. Then take time to go over your bank account, and is all much easier because today we all have access to our bank account on our phones. Then just choose the see the monthly money out, and see if is something in there that you don't need anymore, cancel subscriptions that you don't even remember to subscribe for, and say no to the kids when they ask for more Vbucks for Fortnight. Yes bring all the family on board in this money makeover, this will be good for the kids to learn what no one taught us, and if all are involved is easier to set up real goals to get your financial freedom.
Spending the money in local shops, or supporting small businesses, also helps you feel more positive and aware of your spending choices. Think about the money as something that can bring some good in all you spend, and once a month remembers to gift yourself a little reward for your efforts, this will help you feel super motivated.
Recycle, reuse, reinvent. See things that you already possess that you can recycle and use again, plant your own veggies, reuse clothes that you have in the back of your wardrobe before you buy another piece of close.
Make a contest at home to see who can come with an idea that will save money, and use that money for other things that you all love. Get creative, and in no time, you will be in control and excited about ways that you can get even more money.
Don't stress yourself if you cannot do it at once, you will get yourself in situations that you will fall into temptation, but just start all again until you get it right.
One thing is true, if you think about money in a more positive way, be grateful for what you have now, create a habit of thinking in abundance instead of the scarcity of money, things will start to improve a lot. Money is your friend, and friends are forever, then learn to love money, and with means take care of it.
Start your journey for financial freedom today, don't keep postponing, just feeling upset about it, talk openly with your family, friends, and your partner about your debts, and be sincere with yourself, knowing that if you start this process, you are taking control of your life, and you will be great, rich, and happy. I believe you.
Check these totally free debt advisors links, if you feel that you need help, don't ever go for the ones that will ask you to pay a fee for them to pay your bills, with your own money.
These ones are free of any charge. and don't ever feel a shame, because we are all in the same boat, just think in the superyacht that cost around $275 million. Lol
Ciizens Advice UK: https://www.citizensadvice.org.uk/debt-and-money/
PayPlan: https://www.payplan.com/debt-info/
Nationaldebtline: https://www.nationaldebtline.org/
The book PDF:
Use these affirmations to start changing your money mindset.