After hearing two coworkers different point of view about finances, budgeting, and saving it had me think about my point of view on finances. Which mindset of the financial spectrum did I fall on? One coworker said she only lives once. Therefore, she buys what she wants, when she wants, and doesn’t particularly save. She pays her bills in full every month. After that, she and her husband live their life. They didn’t believe in the rainy day. “I can’t take the money with me when I die.” Hmmmmm…….
The other coworker was on the complete opposite end of the financialmindset. Her and her family budget everything every month down to the entertainment, eating out, and extras. She said if she goes to the store and get to the counter and the total is over what she planned she will stand there and determine which item she needs less and put it back. Whenever the budget runs out for that category, that is it until next payday or it’s time to budget again. They also have a set savings amount each month. “We just don’t know what’s going to happen.” Hmmmmmm……
So that leads me to the question of which mindset are you?
A. Tomorrow isn’t promised so I’m going to live each day like it’s my last. I’ll worry about tomorrow and what is needed then.
B. I like to be prepared and make sure I have everything I need. I never know when an emergency or unexpected situation or expense may occur.
One of the best ways to get out of a rut is to remember how blessed you are, express gratitude, and take inventory of what you already have. The best way to do this is to make a list. Start off with the small things that makes you happy. The tangible physical things, to get you going.
It’s the little things that makes you happy. We’ve all said this at some point or heard it many times in life. Why? Because it’s true. It’s not that trip to Disney that makes you happy. It’s the little memories, moments, and experiences that add up from the trip that makes it special.
Take a moment to look around and list all the small things that make you happy. Nothing can be too small. The little things that helps you get through the day, that make you laugh, feel comfortable, feel good about yourself, and you can’t stop grabbing or doing.
Those are 10 little things I use everyday that make me happy or I do that makes me happy. I wanted to do something a little different than the usual. KEY TO HAPPINESS: DO WHATEVER YOU WANT TO DO Drinking water, waking up, seeing the sun shine, going to work, having a job, having a car, having food to eat, family and friends that love me, and so on. It’s a no brainer that all those makes us happy and helps our mentalwellness. But it’s good to recognize and appreciate what we have in other areas that makes us happy as well.
So often we always want more or look to have more. But our happiness is right in our face if we look. It’s those small things that we don’t even blink an eye at that gives us happiness. The little things that you grab without thinking or you do without thinking on a daily.
I don’t know who need to hear this but you can’t solve money problems with money. A quick wellnesstip for you on this Wednesday, is to stop trying to figure out how to get more or make more. The more money you make, the more bills you have, the more debt you’ll have.
Yes, the world seems to have taken us all by storm, again. But to stay ahead and get ahead you must change some dailyhabits. First is changing or shifting how you feel about money. What is your relationship with money? Secondly, look at your daily spending. Is it necessities or wants? What can you do to cut back? Have you been budgeting? When was the last time you tracked your spending. https://amzn.to/3mQ1uh7
To be honest, you’ve probably been working overtime to make ends meet, has it worked for you? Or have you found yourself in the same spot that you were in last pay period? Meal planning, grocery planning, car pooling, and daily household planning are good beginning steps to begin your financialwellnessjourney. Also, playing catch up is never a good idea. If it’s food items, cleaning products, hygiene products, or even gas, not letting it run too low or get empty is key to keeping your nose above water. Money Jar Saving Method for easy saving
I know this is extremely difficult. Milk is even out of budget. Think about meals that can last for two days or have leftovers that you can cook. Make a plan to only go to the store once a week or every two weeks depending on your budget and family needs. That will save on gas. In return, the less trips to the store, the less you spend. Google events and activities in your area to go to for free. You and your family can still have fun and enjoy life.
I know this is a difficult time. But just as with anything else, this is only temporary. Making the choice to tackle it and be proactive instead of reactive will help ease stress and pressure. Start with tracking your daily activities, what’s coming in and going out, and then create a plan. “If you fail to plan then you plan to fail.” #healthiswealth #financialwellness
How does going to the doctor relate to self care? Well it has everything to do with self care.
Knowledge is power. Getting regular checkups and examinations allows us to detect any early signs of disease or infections. We’ll know if we are borderline and need to watch something more closely. With regular visits to the doctor we learn important information on how and why our bodies are changing and reacting in a certain manner.
The earlier we know about a diagnosis the better equipped we are with options of treatments and cures. The more options available the better we’ll be able to maintain a good bill of health.
Even though its a pain and we really don’t like going to the doctor it gives us a peace of mind and a sense of relief. Therefore providing less stress on our mental health.
Just because we feel fine or doesn’t see any physical signs of worry, doens’t mean we don’t need to see a physician. Routine blood work and examinations are needed to let us know what’s going on with risks we may not be aware of.
Keeping regular doctor and dentist appointments are an act of self care and self love. You are showing interest in your physical health and investing in prolonging your life. It shows we want to be here to live a fulfilling, healthy, and productive life. In result increasing our mind, spirits, and confidence.
The older I get and as I approach a age milestone the importance of handling my business is more important to me than ever before. Now when I say handle my business its making sure the non tangibles are in tact.
It pains me to see so many people focused on what others are doing on social media, what they are wearing, where they are going, and twisting themselves into a pretzel trying to keep up. The more you focus on someone’s filtered life on social media the less time you are spending making sure your ish is together.
The first step in handling your business is managing your finances. Get a calendar book or journal and write stuff down. You need to know what your monthly expenses are, how much is going in and how much is going out. The more organized you are the more successful you can be in managing and saving your money. Money Jar Saving Method for easy saving
What are the due dates on your bills? Are your bills spaced out enough through the month according to your paydays? Did you know you can request a different due date on certain bills? Changing your due date on certain bills will allow you to effectively manage your income and stay in control.
Another way to handle your business is to stop overspending. Before you buy something ask yourself if its a want or need. Take a look in your closet and around your house and you’ll see how much money is sitting there wasted. I bet there are clothes and shoes that you’ve purchase but haven’t worn in a while or still have the tags on them. When you look around the house do you see stuff just sitting there collecting dust?
Along with overspending, save yourself time and money by paying things off. Instead of paying the minimum pay a little extra. If you’re minimum payment is $27, go ahead and give a solid $30. You are saving money and paying interest down and that bill will be paid off quicker. You can also save money by paying in full. So often we choose to pay in installments, however if you look at your statements on many of your bills there are installment fees.
I know some of this may be easier said than done. But start somewhere and start small. One of the main reasons we become overwhelmed, depressed, and lose ourselves often times begin with a financial situation and things just spiral after that.