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8 Ways to Gain Better Control of Your Life

8 Ways to Gain Better Control of Your Life

As we grow up, we begin to develop our ambitions, and we set new goals for ourselves. While we are kids and teenagers, we only compromise between what our parents want us to do and what we want to do. Sometimes these plans align with each other, and sometimes they don’t. The point is that, during our development, we pursue goals set for us by our authority figures, and once we achieve them, or when we finish high school, all that is left is the pursuit of our own individual goals, and all we have is our internal motivation.

Achieving personal goals feels great. However, failing to achieve them can deal a massive blow to our egos. After all, this failure is personal, and it often makes us question our own convictions. Of course, every life is filled with failures: some are not too severe, and some are valuable lessons, but failures make us feel weak, powerless, and demotivated.

When things don’t go as we planned, we start to experience this lack of control, and that is truly depressing. It affects how we behave; it prevents us from being happy, and we feel stressed out as a result of all the self-doubt we are experiencing. Luckily, these problems are not beyond solution, and you can conquer this weakness one step at a time.

1. Learn to accept yourself and give yourself some more credit.

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    You need to know that every trait you possess can be viewed from both a negative and a positive perspective. If you consider yourself to be determined, and if you do not give up easily, other people might perceive this trait as stubbornness. If you are ambitious, others might call you greedy, whereas if you are humble, they might say that you lack ambition.

    Also, if you are cautious, some might perceive that trait as minor paranoia or cowardice. Basically, it all depends on the context and situation in which you displayed your personal traits. It also depends on your environment, i.e. whether it is willing to reward those traits or to suppress them.

    It’s a truth as old as humanity itself: we have our own vision of ourselves, while others have a different perception, and the truth is somewhere in between. In other words, do not take criticism too seriously, and do not be self-absorbed all the time; just learn to accept yourself, and only work on the flaws that you truly wish to eliminate.

    Abandon the notion that you can become someone that everybody will admire, and focus on being someone you would admire. If you try to impress everyone, you’ll end up forsaking yourself and, as mentioned, these personal failures are far more disappointing.

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    2. Learn how to handle your finances.

    Another reason why we might feel stressed out and powerless is when we have trouble handling our finances. When you start to live your own life, there are unexpected expenses that pop up each month, and since these expenses can easily lead to debt, you need to think ahead and save money for those occasions. Whether we want to admit it or not, money is also a form of power, and without it, we feel less secure and less confident.

    If you are stressed out because of your finances, there are two solutions. You can see what you can do to earn more money; you can ask for a higher paycheck at work, and see what the requirements are; or, you can simply learn how to redistribute your spending budget. Sit down and calculate how much money you need to pay the bills, and then see how much money you have left and create your daily budget based on that number.

    See how much you can spare on a daily basis, and come up with a tactic to do so. For example, there are tons of incentive programs that can help you save money, and you can get coupons or vouchers to trim down the price.

    You can also get better prices if you shop online, or simply look for used items that don’t need to be brand new in order to properly function. Additionally, you can also sell your items online, or organize yard sales to get rid of what you are no longer using and to earn some extra money along the way.

    Once you accumulate enough extra money this way, put it in a savings account so that it can grow. Again, do not put all of your money into a savings account because you’ll need some extra cash for unexpected house repairs if something starts to malfunction.

    3. Know where you stand.

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      We are still on the subject of money here, and it goes without saying that your worth is not based on how much you earn. Also it’s wrong to assume that everyone will measure you based on how much you earn, but still, money is a form of reward system and something that serves as tangible proof of how much your skill and knowledge is valued. So, when you feel the lack of control, it’s good to focus on something that can be measured and that you can track in order to restore confidence.

      This is not a very common practice, but I feel it can be very useful. You can now calculate your net worth, and know exactly where you stand on an average scale. Of course, this does not mean that you are more or less successful than someone else, since we know that people can be born into privilege and thereby already have an advantage on this scale.

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      However, when you know where you stand, you can have a starting point for yourself, and work on improving; it’s like advancing in a video game and gaining higher levels. Basically, you start to work on improving and increasing your net worth, and having a clear overview of your success rate can reward you with a sense of achievement.

      If you feel bad for focusing so much on earning money, you can always donate and help those less fortunate. I am just saying that it is a good way to have tangible proof of the progress in a positive direction. So, you do not do this in order to compete with others, nor to prove to others how much you are worth; you simply do it to convince yourself that you have control over your progress.

      It also doesn’t have to be connected to your net worth; if you love agriculture, you can look to improve the size of your fields or the quality of your plants. It just needs to be something that is valued globally.

      4. Add more organization to your life.

      When you feel a lack of control over your life, then you can combat it with a grain of OCD. Start to organize everything you can. It was already mentioned how you can organize your finances and how to earn money by selling things you don’t use. However, you can take this a step further and reorganize your home and daily schedule.

      The main reasons why this is useful is because you’ll feel a lot better when you are in a well-organized environment, and unexpected problems and obligations are less likely to sneak up on you when you monitor things more adequately.

      You can clear the bins and label your cabinets and jars; you can have a mail-organizing cabinet and a tool that can also organize your emails; you can use a work planner to write down everything important, or download an app that can do the same.

      Basically, you keep track of your items and obligations more diligently, as that can provide you with the necessary serenity that can keep the stress at bay, and give you more control over your responsibilities. Besides, it feels really good when you are keeping track of your tasks, just crossing them off your list.

      Of course, if trying to be too organized is just another source of stress, then simply tone it down. Don’t write down everything or don’t label everything; basically add the amount of control you feel comfortable with, and see how it works. If you find something unnecessary, then there’s no need to give it much attention.

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      One thing is certain though: you will feel so much better if your entire living space is neatly organized and if everything feels in its place. Plus, you’ll be motivated to maintain that order, since you worked hard on building it.

      5. Exercise.

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        Exercise is useful for numerous reasons. First, it’s a good way to cope with stress. Second, your body will produce more energy as you advance, and the things that used to be stressful and tiring won’t seem so difficult. Third, it’s good for your health and mood. Fourth, it will help you build up your confidence, since you’ll look better and, again, progress and achievements are good positive boosts for our psyche.

        The only problem with this is that you might not have enough time to seriously devote yourself to exercise. However, you are not trying to become a professional weight lifter, athlete or fighter; all you need is a moderate dose of physical workout in order to look good, feel good, and be satisfied with yourself.

        There are quality workout regimes online that you can try out, and you can find a nutritionist to prescribe a good diet to boost the efficiency of your training. The best thing about this is that there are programs that do not require weights; you can exercise at home and still get satisfying results.

        If you are unwilling to start exercising because it will leave you with a lot of pain for the next couple of days, then you can gradually add more physical activities into your schedule before you start working out. You can start with walking to work or riding a bike, taking the stairs instead of the elevator, drinking more water, etc. You can also start with a 20-minute yoga session in the morning and before sleep, which should prepare you for your workout in the future.

        6. Follow a healthier diet.

        In addition to exercise, you’ll need to have a healthier diet. As mentioned, you can find a nutritionist to give you a diet, and you can start preparing your own food more frequently. It’s a sort of a self-improvement technique, where you start to learn to cook different meals. Additionally, when you prepare your own food, you will save more money, which is also a good thing. So, it’s not directly connected to gaining better control of your life like the previous tips, but it goes well with your lifestyle in general.

        7. Work on self-improvement.

        Self-improvement can imply a lot of things. It can mean a change in your governing philosophy, or acquiring new skills, or simply changing your lifestyle for the better. So far, everything mentioned here was a form of self-improvement, and all that remains is that you work on your competence. You can try and do better at work, or you can start to learn other skills that can help you with house maintenance.

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        You don’t need to spend money on this, since you can find online tutorials and start learning this way. As you improve, you will start to fix things on your own; you will start to feel that you have greater control of your life, and you will be proud of yourself. You can train yourself to become a good craftsman, which is fulfilling, and it can help you earn some extra cash on the side.

        8. Learn to rely less on other people.

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          Lastly, the less you rely on others to solve your problems, the more powerful you will feel. It’s all right to ask for help, and you don’t have to do everything on your own, but if you aren’t able to solve problems without relying on others, then you will be frustrated.

          This is why self-improvement is important, because when you are self-sufficient, you feel more liberated and less pressured. Furthermore, with more skills at your disposal, you can even help others, and people will start to appreciate you more. Besides, when you are helpful, you will feel better.

          So, know that you are capable of many things, know that you do not need to rely on others, but also, do not refuse or shy away from asking for help. The whole point of this is to make your life easier and to gain more control over it — not to embrace unnecessary struggles.

          Featured photo credit: https://pixabay.com/en/users/Unsplash-242387/ via pixabay.com

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          Djordje Todorovic

          Blogger, Gamer Extraordinaire

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          Published on January 8, 2021

          How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

          How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

          Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

          The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

          Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

          What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

          Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

          1. Pay More Than the Minimum Credit Card Payments

          Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

          Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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          You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

          The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

          2. Start With High-Interest Credit Card Debt

          If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

          First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

          At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

          3. Revisit Your Budget

          Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

          You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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          Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

          If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

          4. Avoid Using Your Credit Cards

          Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

          The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

          It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

          5. Start a Side Hustle to Boost Your Income

          You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

          If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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          Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

          It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

          6. Sell Your Used Items for Extra Cash

          Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

          A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

          Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

          When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

          7. Know When to Seek Help With Your Debt

          Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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          There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

          In extreme cases, the debt solution can be:

          • Debt relief – where your debt is partially or wholly forgiven
          • Debt consolidation – taking out one loan to repay others
          • Debt settlement – the creditor forgives a significant portion of your debt
          • Bankruptcy – legal process for seeking relief from some or all your debts

          It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

          Wrapping It Up

          Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

          So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

          More Tips on How to Pay Off Debt

          Featured photo credit: rupixen.com via unsplash.com

          Reference

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