There is nothing worse than worrying about money. It can keep you awake at night, stop you concentrating and affect relationships but there are ways that you can stop stressing. If money worries are constantly on your mind and you want to stop and feel more relaxed, it’s time to do something about it.
Today we will look at six simple things you can do to help yourself now.
1. Write Everything Down
If you are worrying about money, you may be worrying over nothing. Often we can build up things in our mind to be worse than what they actually are. Writing down your incomings and outgoing and where you might be able to make some savings can actually make you feel much better and more in control of your finances.
You’ll be able to see the exact reality of what’s going on rather than building up unnecessary worries in head.
Using a simple budget book like this one may help you to keep a track of your expenses and see on a daily basis how you can improve things to feel better.
Related: What are the Best Ways to Save Money?
2. Pay Off Any Debt
If you have debt to pay off start now. The best way to get out of debt is to use methods that work. You may be feeling overwhelmed with no idea where to start, but it’s starting that’s important. To help you, here are some tried and tested methods to pay off debt from some top UK Money Bloggers:
- Dave Ramsey’s Baby Steps – the UK Version
- The Extra Income Budget Method
- The Debt Snowball Method
- The Best Way to Clear Credit Card Debt
- Using a Spending Tracker
- How to Dig Yourself Out of a Credit Card Hole
- Using Debt Counselling
3. Make Extra Money
If you are constantly worrying that you don’t have enough money then simply make more. You may be thinking that you don’t have any spare time to make money but there are plenty of things you can do for a few minutes here and there that can make a big difference to your monthly income.
Sometimes it’s a matter of priority. If you really want to stop worrying, then maybe turn the TV off one evening and use that evening each week to make some extra cash. I have lots of simple money making ideas in the ‘make money’ category here on my blog. Here are just some of them:
- 27 Ways to Make Money in the UK
- How to Make Money as a Chatline Operator
- How to Make Money with OhMyDosh
- Make an Extra £100 This Week
- How to Earn a Regular Income on eBay
- How to Make Money with Matched Betting
- 5 Ways to Make Money in your Spare Time
4. Stop Spending Money
I know this is sometimes easier said than done, especially if you’re an emotional spender. Spending more money will just lead you into a vicious cycle and one you need to stop. If you don’t know where to start, I wrote this post to help you, “20 Ways to Stop Shopping and Save Your Money”.
In addition to stopping spending so much money, save money where you can. You can use money saving apps and cashback sites to save hundreds on the shopping that you do need to do.
Related: Free Family Days Out – 6 Ideas
5. Take Your Mind Off Money
If you are thinking about money too much, maybe you need something to take your mind off it. Why not take up a new hobby or starting making crafts that you can make money from too, killing two birds with one stone!
Related: 65 Craft Ideas to Make Money
6. Want Less
Minimalism is a popular lifestyle choice these days but it doesn’t mean that you have to live in a house with just a sofa and nothing else. Minimalism is also about being mindful of what we want in life and wanting less can create a sense of calm and security in the fact that you don’t need to earn so much money in the first place.
If minimalism appeals to you, there are lots of books written by people who have done it and changed their lives. This is one of my favourites. Even if you decide not to go down that route, it can help to change your mindset about what ‘stuff’ you need in your life.
Hopefully these ways to stop worrying about money will help you to sleep better at night and enjoy life more.
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