Indebtedness and money problems are generally bad for mental health, because they worry us and make us feel that we can no longer deal with the situation. However, this feeling is not the right one since there are many positive solutions to manage and spend our money consciously and thus avoid stressful situations.
Be close to your bank account
You absolutely must be close to your bank account in order to manage your budget and thus avoid the bad stress linked to money. Do not hesitate to consult your account every day and keep your purchase invoices so that you can manage money flows and thus make your accounts with ease. You don’t have to check your accounts as many times as you visit your favorite social media pages, but in any case, don’t be afraid to take a look regularly.
Rethink your credit position
Using a credit card can be dangerous in the long run for some people, who sometimes end up acting as if the money credit their financial institution gives them is ultimately their money. If you are in the situation of someone who constantly uses their credit card without first looking to see if they are able to repay on time before their withdrawals generate interest, then you need to completely rethink your credit position. The healthiest way to collect credit is to use it with awareness of when to repay. Also, if it is not advisable to live daily thanks to the credit card, you can opt for loans in order to make substantial and important purchases such as a car purchase.The loans are in fact contracted with private companies or banking institutions which will provide you with all the advice and time necessary for a good repayment.
Work on yourself
Just like a real muscle, self- control works to be able to become stronger than our emotions and our sudden desires. It is indeed possible to work on the control of the need to spend by small personal exercises. When you think you need something, you can start by making a list of all the similar items you own. Displaying things in writing generally makes it easier for us to recognize the quantity and the beautiful things we have.
Overestimate your needs
Because life is made up of all kinds of unexpected events, making your monthly budget is a big step towards controlling our money, but it is not enough to guess what the future holds and therefore it does not allow us to predict the price of the unexpected . Because each month is different, it is then useful to leave yourself a large margin of maneuver or to put money aside each month in order to be able to face the most difficult months.
Get some fresh air instead of shopping
If you are a person who tends to make compulsive purchases just by strolling, know that you are necessarily putting yourself in danger when you go for a walk on the shopping avenues. If you want to get some fresh air, why not leave the urban life and the beautiful streets filled with pretty shops aside to go for a walk in nature, in a park or even at the water’s edge? If you don’t need anything, avoid being tempted at the slightest opportunity by walking away from the stores is a foolproof technique.