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How to Stop Worrying About Money Even If You Don’t Earn Much

How to Stop Worrying About Money Even If You Don’t Earn Much

If you asked anyone to list their top 5 concerns, I’m confident money or finance would be up there. Salaries, loans, mortgages, debts, stocks, investments, or other financial concerns that you can name are concerns we ponder on a daily basis.

So how can I not think about my financial situation? You might ask. The answer is financial freedom.

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So What Is Financial Freedom?

Financial freedom, on paper, means not being tied to burdens or concerns financially. In other words, a financially free person spends their money without worrying when is the next paycheck coming or how to pay off debts and loans.

It does not mean acting cool or boast in front of your friends or proving a point to your family, but rather for you to sleep peacefully at night and wake up with positive thoughts, rather than thoughts: “I am desperately searching for money day 34”.

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How We Can Benefit from Having Financial Freedom

Unless you live only in the present day, and don’t think about the near future (which is not the smartest decision nowadays), there are only benefits in being financially free. Firstly, it’s your emotional freedom – your thoughts are not constantly stuck to your bank account and unpaid bills. Secondly, you are aware of your expenses (well the majority of them, because we all have unexpected bills) and profits. You know when you can splurge on something you crave or need and when you need to cut back. Thirdly, it lets you make long-term plans like summer holidays or that yoga retreat you’ve been dreaming about.

Financial Control Is Out of Your Reach? Here’s What To Do

Financial freedom will not happen overnight, and it might require doing some damage control as well. I have described a perfect scenario: you start with a solid base (your family) and go step-by-step. However, a lot of us go through a rocky road and get to the focusing point after a few positive and negative experiences. It is important that you are ready to start the path where you are willing to try hard and gain financial freedom. Let’s look at 5 ways to regain control of your finances:

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Turn your back on unnecessary loans

There are people out there who take loans for their wedding party. One day of fun and months of paying for it, is that really smart and logical? I understand we live only once and you will only have one (hopefully) wedding day, but there are definitely ways to work around it and have a small, but tasteful wedding. And this is just one of the many examples of unnecessary loans. Do not follow your momentary emotions and think about consequences, about conflicts that might arise and realize that it can all be avoided, if you sit and think smartly and thoroughly about a serious step you are about to make.

Think twice on purchases, buy on second thought

You don’t have to be a shopocholic to buy things you don’t need. At one point of time we all have been there. I am not talking about big purchases, because sometimes the small ones adds up to an even bigger amount. A t-shirt here, a trendy scarf there, endless phones cases (for every mood possible), do not even get me started on cosmetics (for girls) and for car/laptop/bike accessories (for guys). My advice is not to buy something right there on the spot with the first impulse, but think about it a little. Are you sure you need it? May be you already have a similar item? Just really think about, may be even sleep on it (if we are talking about an expensive item), that’s all I am suggesting.

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Avoid hooking on any harmful habits (it kills you and your wallet)

The price of addictive items is increasing drastically, however from what I know, it doesn’t make people fight their bad habits. People just carry on doing whatever they were doing, and the only thing that changes is the frequency of them complaining about prices which going up. It’s a matter of a simple math to find out how much you could have saved, if you were not involved in buying these addictive items. Just count how much you spend in a week/month/year on these items, and I’m telling you the number will surprise you.

Do things you like and enjoy and most importantly keep doing them

Have a habit of being active, and by active I mean work, physical activities and emotional activities. Everything that makes your brain work and your soul happy. Find out what kind of literature you enjoy and keep reading (let it be Vogue or comics, if that’s what you love), do sports (for example I’m in love with tennis), do something for your soul and mind (in my case it’s definitely yoga), hobbies are very important (I write, and hope one day it’ll turn into something more serious). You might think: “how will it give me financial freedom”? All these activities will teach you to stay sharp and energetic, and they will make you want to accomplish more and more.

Donate genuinely (sound awkward, doesn’t it?)

I understand that this point is making your finances go another direction. However, I am a firm believer that the more you give the more will come back. The trick is to be as genuine as possible when you make donations (by donations I mean not only money, it can be anythnig which help people in need). This is a rather philosophical approach, because you must set your mind on a thought that you truly want to help and do not hold on to whatever it is that you are giving away.

A combination of these tips will definitely create successful path for regaining your financial freedom or at least making it stronger. The best part is that once you make a habit out of these hints, it’ll become so natural for you to live peacefully without unnecessary worries.

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Last Updated on August 20, 2019

26 Useful Things to Learn Now That Will Change Your Life

26 Useful Things to Learn Now That Will Change Your Life

If you pay attention to your everyday life careful enough, you’ll know that you can learn from everything and everyone you come across. Our life is basically full of useful lessons that we should learn.

Here are 26 useful things to learn that Abhishek A. Singh shared on Quora. Let’s see how these life theories would lead you to live a different life.

1. Primacy and recency: People mostly remember the first and last things that occurred, barely the middle.

When scheduling an interview, ask the employer the time slots they do interviews and try to be the first or the last.

2. If you work in a bar or in customer service of any kind, put a mirror behind you at the counter.

In this way, angry customers who approach you will have to see themselves in the mirror behind you and the chance of them behaving irrationally will be lowered significantly.

3. Once you make a sales pitch, don’t say anything else.

This works in sales, but it can also be applied in other ways.

My previous boss was training me and just gave me pointers. I was working at a gym trying to sell memberships. He told me that once I got all the small talk out of the way and presented the prices, the first person to talk would lose.

It didn’t seem like a big deal but it actually worked. Often there were long periods of awkward silence as the person tried to come up with some excuses, but usually they bought.

4. If you ask someone a question and they only partially answer, just wait.

If you stay silent and keep eye contact, they will usually continue to talk.

5. Chew gum when you’re approaching a situation that would make you nervous, like public speaking or bungee jumping.

When we eat, our brain tell ourselves, “I would not be eating if I were danger. So I’m not in danger.” This has helped me to stay calm.

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6. People will always remember how you made them feel, not what you said.

Also, most people like talking about themselves; so ask lots of questions about them.

7. When you’re learning something new, teach it to a friend. Let them ask you questions about it.

If you’re able to teach something well, you will be sure that you’ve understood it very well.

8. If you get yourself to be really happy and excited to see other people, they will react the same to you.

It doesn’t always happen the first time, but it will definitely happen the next time.

9. The physical effects of stress — breathing rate and heart rate — are almost identical to the physical effects of courage.

When you’re feeling stressed in any situations, immediately reframe it : Your body is getting ready to be courageous, you are NOT stressed.

10. Pay attention to people’s feet.

If you approach two people in the middle of a conversation, and they only turn their torsos and not their feet, they don’t want you to join in the conversation.

Similarly, if you are in a conversation with a coworker who you think is paying attention to you and their torso is turned towards you but their feet are facing in another direction, they want the conversation to end.

11. Confidence is more important than knowledge.

Don’t be intimidated by anyone, everyone is playing a role and wearing a mask.

12. If you pretend to be something for long enough, you will eventually become it.

Fake it till you make it. Period.

13. Not to be creepy, but if you want to stare at someone unashamedly, look directly past them and wait for them to try and meet your eyes.

When they fail to do that, they’ll look around (usually nervously for a second) they won’t look at you again for some time. This is your chance to straight up stare at this person for at least 45 seconds.

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And as suggested by Brian Stutzman:

If you’re staring at someone and get caught, DON’T turn your head or your body to look away, because that just confirms that you were staring.

Just move your EYEBALLS off the person. Unlike turning your head, it’s instantaneous. And the person will think you were just looking at something behind them and that they were mistaken for thinking you were staring. Do it confidently, and ignore any reaction from the person, and you can sell it every single time.

After a second, you can even look back at them with a “Why are you staring at me?” look on your face to really cement the deal!

14. Build a network.

Become the information source, and let the information be yours. Even grabbing a beer with a former colleague once a year will keep you in the loop at the old office.

Former coworkers might have gotten a new position in that office you always wanted to work in, great! Go to them for a beer, and ask about the office. It’s all about connections and information.

15. If you are angry at the person in front of you driving like a grandmother…

Pretend it is your grandmother, it will significantly reduce your road rage.

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    16. Stand up straight.

    No slouching, hands out of pockets, and head held up high. It’s not just a cliche — you literally feel better and people around you feel more confident in you.

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    17. Avoid saying “I think,” and “I believe” unless absolutely necessary.

    These are phrases that do not evoke confidence, and will literally do you no good.

    18. When feeling anxious, clean up your home or work space.

    You will feel happier and more accomplished than before.

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      19. Always buy the first pitcher or round of drinks.

      You’d be surprised how long you could drink on the phrase “I bought the first one.”

      20. Going into an interview… be interested in your interviewers.

      If you focus on learning about them, you’ll seem to be more interesting and dynamic. (Again, people love to talk about themselves.)

      21. Pay attention parents! Always give your kid a choice that makes them think they are in control.

      For instance, when I want my son to put his shoes on I will say ,”do you want to put your star wars shoes on or your shark shoes on?”

      Pro-tip: In some cases, this works on adults.

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        22. Your action affects your attitude more than your attitude affects your action.

        As my former teacher said “You can jump and dance FOR joy, but you can also jump and dance yourself joyful.”

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        23. When a group of people laugh, people will instinctively look at the person they feel closest to in that group.

        Notice who you look at and who look at you when you laugh with a group of people!

        24. If you want to build rapport or gain someone’s trust quickly, match their body posture and position.

        If someone is sitting with her legs crossed, cross your legs. If they’re leaning away from you, lean away from them. If they’re leaning towards you, lean towards them.

        Mirroring and matching body position is a subconscious way to tell if someone trusts you or is comfortable with you. If you’re sitting with your arms crossed and you notice someone else is sitting with her arms crossed, that is a good indicator that you have/are successfully built/building rapport with that person.

        25. The Benjamin Franklin Effect (suggested by Matt Miller)

        I find the basis of the Benjamin Franklin effect is very useful and extends far beyond pencil borrowing. This knowledge is useful in the world of flirting too.

        Asking a girl in your class if you can borrow a pencil or her notes or to explain the homework will make her more likely to like you than if you let her borrow your stuff or are the one to help her. Even just asking a girl to buy you drinks (facetiously) leaves a much bigger impression than offering to or actually buying a girl a drink.

        The best part is it kills 3 birds with one stone: you get the advantages of the favor itself, the person subconsciously likes you more, and it makes them more open to future favors and conversation.

        26. Handle panic and anxiety behaviors by tapping fingers (Suggested by Jade Barbee)

        When you’re feeling stressed, worried or angry, tap each finger tip while thinking (or speaking quietly) a few specific words about what is bothering you. Repeat the same words while tapping each of your 10 fingers, including thumbs.

        For example, tap while saying, “I’m so angry with her…” Doing so will likely take the charge out of the feeling and return you to a more resourceful (better feeling) state of being. It’s called EFT (Emotional Freedom Technique) or “tapping,” and it is useful in many life situations – emotional sadness, physical pain, food cravings, traumatic memories…

        Featured photo credit: Nicole Wolf via unsplash.com

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