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How to Improve your Finances in 4 Easy Steps

How to Improve your Finances in 4 Easy Steps

Managing your finances can suck. Some days you feel like you’re going broke, and other days you feel like you’re doing pretty well. It can be a roller coaster ride. It doesn’t really matter how much money you have, or don’t have, what matters is your attitude toward your finances. Do you want to improve this area of your life? If you do, it’s going to take some work. You don’t have to be Donald Trump, you just have to understand how the small things you do can lead you to greater overall financial success.

So what do you need to know to improve your financial prowess? Here are a few ideas.

Educate Yourself

My husband passed away 2 years ago. He was a very successful businessman and he handled all the finances. I knew nothing. When he died, my son stepped in to help me manage things, all the while encouraging me to educate myself on financial matters. I had zero interest. I’m a writer, therapist and a radio show host. My excuse was “My brain just doesn’t work well with financial stuff.” The truth is, I just don’t like it, but I still had to educate myself.

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I had to start doing things I never did before, and in the process I felt more confident I could handle things. I had to learn about Mutual Funds, IRAs, stocks, annuities, selling property, buying property, and how to maximize savings.

If I can do it anyone can! Remember, knowledge brings power and power brings change. Educating yourself is easy. My son taught me a lot, but you can read articles, Google topics, take a class, or talk to your banker or an investment person you trust.

Be SMART

Setting goals in life is important. Statistics prove that people who write down their goals are more likely to achieve them.  Using the acronym SMART can help you stay on track.  This means your goals need to be specific, measurable, attainable, realistic and timely. Let’s say your goal is to pay off some debt. Don’t simply say you’re going pay off debt. Make a specific list of who needs to be paid, how much will it cost you monthly, what obstacles stand in the way, and who is going to help you with a loan, a budget, or whatever else you need to make this happen.

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Make your decision to act an informed one. Do your due diligence. Look for something that will provide you with measurable results. If I pay x amount of money to pay off my car loan, in a year I’ll have all that extra money to save. Make sure your plan is attainable. In other words, if you take out a loan to payoff your debt, make sure you can structure the payments so that you can manage them. Be realistic. Don’t bite off more than you can chew, even if you are trying to pay off debts. Finally, everything has its time. If you’re in a financial pinch, realize it may take time to straighten out your finances. You probably didn’t get into debt overnight, and you won’t get out overnight either. Steady the course.

Simplify

Let’s face it, most of us have way too much. If you take an honest look at your life, there are probably things you have that you don’t use, things that are costing you money that could be better used, or invested elsewhere. Take a survey of your bills. Maybe you can cut out cable, stop using credit cards, cancel that gym membership you don’t use, or stop eating out for a while. Maybe you can even sell some stuff on Craigslist and make some money.

Simplicity is an attitude or mindset that begins inwardly and is reflected in an outward lifestyle. We can say we want a simpler life, but unless we’re convinced we need one, cultivating a less complicated life will elude us. A simple life is a free life. It sets money and possessions in the proper place with the proper perspective. It keeps “things,” or the drive for worldly pursuits from ruling over us. It enlarges our capacity for gratefulness and sharing.

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Notice

How is all the stress and disorganization of your financial situation affecting you? You have to identify the problem before you can do something about it; to do that you have to pay close attention to what is weighing you down financially. Start by making a list of what you notice is controlling you, or stressing you out in regard to your finances. Then notice your behavioral patterns in relationship to that stress. What do you do? Do you stress spend? If so, get in the habit of taking 60 seconds before you buy something and ask yourself why you need this item. If you can’t justify it—don’t do it.

How does your financial stress affect other aspects of your life? What do you notice?

Small things like paying attention to how much you spend, versus how much you save, can really help. Survey what you spend on things that add no real benefit to your life. Financial success doesn’t have to mean you become rich, what it means is you are in control, you are stress free, you are comfortable, you are learning and growing, and you are happy!

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Improving our financial status is something all of us should desire. Start today by becoming a noticer. Remember, you don’t have to solve all your financial problems in a day, a week, or a month. It’s all about moving forward with a solid plan and specific goals.

Featured photo credit: Bing images via bing.com

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Rita Schulte LPC

Licensed Professional Counselor

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Last Updated on January 11, 2021

11 Hidden Benefits of Using Oil Diffusers

11 Hidden Benefits of Using Oil Diffusers

Affordable, relaxing, and healthy, oil diffusers are gaining popularity with people everywhere due to their extensive benefits. Oil diffusers work through the simple process of oil diffusion, which uses heat to turn oil into a vapor that is then spread around a living space. Diffused oil can have several relaxation and health-related benefits, including safe scent-dispersion, mosquito and mold defense, stress relief, and more!

Read on for 11 hidden benefits of using oil diffusers.

1. Safe Scents That Make Sense

Unlike candles or air fresheners, oil diffusers release cleansing molecules into your air that work to purify it, not overload it with unhealthy chemicals. Electronic diffusers also do not pose the fire risk that candles do. Plus, they contain the added feature of interchangeability, which means you change oil types for different scents and health benefits.

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2. Stress Relief

Several lab studies have confirmed that diffusing essential oils like lavender have been shown to reduce stress and help relieve anxiety in medical patients. Preliminary studies have also shown that oil diffusers can help alleviate symptoms of depression.

3. Improved Sleep

Diffused oil has relaxing properties that can help people of all ages fall asleep quicker and sleep more soundly. Electronic diffusers not only have the option to mix and match different oil blends (Try a lavender, Bulgarian rose, and Roman chamomile blend to help with insomnia), they also run at a gentle hum that helps relax an agitated mind. Many also come with an auto shut-off feature to help conserve oils once you have fallen asleep.

4. Appetite Control

Much like gum, oil diffusers can help stimulate the senses in a way that works to curb appetite. New research has shown that diffused peppermint oil can help curb appetite by inducing a satiety response within the body. Diffused peppermint oil has also been shown to increase energy.

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5. Bacteria and Mold Killing

When essential oils are diffused in the air, they break down free radicals that contribute to the growth of harmful bacteria. Eucalyptus, thyme, and tea tree oils are especially good for this purpose. Diffused oil is also highly effective when it comes to combating fungal yeast threats, as the oil help makes the air inhospitable for yeasts such as mold. Pine and red thyme essential oils are best for combating mold.

6. Decongestion and Mucus Control

Ever tried Vick’s Vapo-Rub? Its decongesting powers come from active ingredients made from the eucalyptus tree. In principle, oil diffusers work the same way as Vapo-Rub, except they diffuse their decongesting vapor all around the room, not just on your chest or neck. Oil diffusers have been known to cure pneumonia in lab mice.

7. Mosquito Repellant

Nobody likes mosquitoes — but when the trade-off means using repellants full of DEET, a toxic chemical that can be especially harmful to children, mosquito control can often seem like a lose-lose. However, scientists have shown that oil diffusers can be used as a safe and highly effective mosquito repellant. Studies have shown that a diffused oil mixture containing clove essential oil and lemongrass essential oil repelled one type of Zika-carrying mosquito, the Aedes aegypti mosquito, at a rate of 100%.

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8. Pain Relief

While applying oils directly to areas of your body may be the most effective way to alleviate pain, diffusing essential oils can also be an effective means of pain relief. When we inhale healthy essential oils, they enter our blood stream and can help internally relieve persistent pain from headaches, overworked muscles, and sore joints.

9. The New Anti-Viral

Research into the anti-viral effects of oil diffusion is now just gaining steam. A recent study showed that star anise essential oil was proven in medical experiments to destroy the herpes simplex virus in contained areas at a rate of 99%. Another study showed the popular DoTerra oil blend OnGuard to have highly-effective influenza-combating powers.

10. Improved Cognitive Function

Diffusing essential oils has also been shown to improve cognitive function. Many essential oils have adaptogenic qualities, which can work twofold in soothing us when we’re stressed, and giving our bodies a pick-me-up when we’re feeling down or sluggish. By working to level out an imbalanced mood, diffused oils also help us to focus. There are also several essential oils which have been shown to help balance the body’s hormones. With prolonged use, these oils can work to repair the underlying causes responsible for hindering cognitive function.

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11. Money Saving

With ten clear benefits of oil diffusers already outlined, there is one more that should now be obvious: using an oil diffuser will help you to save money. As an anti-viral, bug repelling, and stress-relief solution rolled into one safe product, an oil diffuser used with the proper oils will save you money on products you might otherwise be buying to help cure those pesky headaches or get your kids to fall asleep on time. If you’re wondering just how affordable oil diffusers can be, check the buyer’s guide to the best oil diffusers — you’ll be sure to find one that fits your budget!

Featured photo credit: Jopeel Quimpo via unsplash.com

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