{"id":69464,"date":"2023-10-06T11:00:36","date_gmt":"2023-10-06T15:00:36","guid":{"rendered":"https:\/\/ifintechworld.com\/news\/suffering-from-money-stress-here-are-10-ways-to-reduce-the-pressure-and-enjoy-your-life\/"},"modified":"2023-10-06T11:00:39","modified_gmt":"2023-10-06T15:00:39","slug":"suffering-from-money-stress-here-are-10-ways-to-reduce-the-pressure-and-enjoy-your-life","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=69464","title":{"rendered":"Suffering From Money Stress? Here Are 10 Ways To Reduce The Pressure And Enjoy Your Life"},"content":{"rendered":"
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All my life I\u2019ve been dealing with money stress. I\u2019ve always hated the idea of being in debt and not being able to pay my bills. It\u2019s only lately that I\u2019ve not been thinking about it every week.<\/p>\n

Sure, things cost more. In my youth, I bought used cars for hundreds<\/em> of dollars. Granted, they were junkers, but I never took out a loan. Now you can easily pay up to $90,000 for a new, fancy pick-up truck. That\u2019s roughly what my parents paid our family home <\/em>in the late 1950s.<\/p>\n

Let me be clear: I\u2019m not pining for the days when \u201cthings were better or cheaper.\u201d Of course, everything from home prices to gasoline were a lot cheaper, but when you adjust for inflation, the cost of living is still a major stressor.<\/p>\n

Suppose you took a different attitude and changed your mind about being stressed out about inflation? Wondr Health did a survey by posing the question \u201cGiven our current economic environment, how are you most likely to respond to the stress of financial challenges?\u201d Here\u2019s how respondents answered:<\/p>\n

<\/fbs-ad><\/p>\n

1) I try to prepare more meals at home \u2013 16.2%<\/strong><\/p>\n

2) I limit my online news exposure \u2013 13.5%<\/strong><\/p>\n

3) I build at least a little movement into every day \u2013 13.4%<\/strong><\/p>\n

4) I tend to make less healthy food choices \u2013 11.9%<\/strong><\/p>\n

5) I practice mindfulness \u2013 11.6%<\/strong><\/p>\n

6) I aim for a consistent sleep routine \u2013 11.2%<\/strong><\/p>\n

7) I tend to be less physically active \u2013 8.5%<\/strong><\/p>\n

8) I stay up late and sleep fewer hours \u2013 7.0%<\/strong><\/p>\n

9) I spend more time on social media \u2013 6.5%<\/strong><\/p>\n

Most of these points will lead to healthier mental and physical well being, except for #8 and #9. And you can always eat better and exercise more, even if it\u2019s just walking around the block. Ample sleep and cutting back on social media is a good thing.<\/p>\n

Yet my <\/em>#10 would be \u201cto create a money cushion.\u201d A money cushion comprises anything from an emergency savings account to a mid-term savings for things you will need within the next five years. Short-term expenses are monthly items; mid-term expenditures are things like home down payments, vehicles and college expenses. And don\u2019t forget long-term savings like retirement funds: (401ks, 403bs, IRAs, SEP-IRAs).<\/p>\n

Always fund your rainy-day account. You can shop around for the best rates, set up automatic contributions and have that warm security blanket in place in case your car blows up or you have out-of-pocket medical bills. I keep my cushion funds in an insured bank money-market account and short-term bond mutual fund.<\/p>\n

Our savings relieved a lot of money stress when I had a health emergency last year and had to pay thousands of dollars in out-of-pocket expenses my health insurance didn\u2019t cover. I also changed my diet and cook at home a lot more, so I\u2019m less concerned about higher food prices, especially in restaurants. I make my own coffee and eat a lot less meat.<\/p>\n

My wife and I save for new appliances and home repairs in our cushion fund. We also pad our savings as much as we can since we pay off our credit card every month and buy our cars with cash.<\/p>\n

The best way to not worry about money is to consistently have some cash in reserve. Rainy days are becoming more frequent, so you need to be prepared. Pay yourself first every month (into your savings account) and save before you spend.<\/p>\n<\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

All my life I\u2019ve been dealing with money stress. I\u2019ve always hated the idea of being in debt and not being able to pay my bills. It\u2019s only lately that I\u2019ve not been thinking about it every week. Sure, things cost more. In my youth, I bought used cars for hundreds of dollars. Granted, they […]<\/p>\n","protected":false},"author":1,"featured_media":69465,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[236],"tags":[83],"class_list":["post-69464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-featured"],"yoast_head":"\nSuffering From Money Stress? Here Are 10 Ways To Reduce The Pressure And Enjoy Your Life | iFintechWorld<\/title>\n<meta name=\"description\" content=\"All my life I\u2019ve been dealing with money stress. I\u2019ve always hated the idea of being in debt and not being able to pay my bills. 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