Welcome back boo!
It’s almost the weekend!!
Stress is one of the biggest killers in the US and life throws more than enough things at us to get stressed about without worrying about money. Most of us do it all the time though. Will we have enough to pay the bills? How can we afford a new school uniform? We can’t afford to repair the car, and so the list goes on.
There comes a point where you have to say enough is enough and you have to decide that you will not get stressed out over money any more. But how do you achieve that? Here’s what you need to do…
Take Control Of Your Finances
You need to take control of your finances. Makes a note of every outgoing and incoming and look to see if you can reduce any monthly payments. This could involve changing your utility supplier, the mobile phone company you use or maybe doing away with some subscriptions that you do not really need. You need to make sure you are not paying out more each month than is necessary and that will help to take some of the financial worries away.
Change Credit Cards
Credit cards are one of the most expensive forms of borrowing unless you can get one of their interest-free deals. Most credit card companies offer an interest-free period to new customers, and you should take advantage of this.
You would get a much cheaper rate of interest if you did away with credit cards and had a bank loan to pay them off. At least you would know that the loan is for a set period and would not carry on forever as credit cards tend to do.
When money is tight, some people end up not being able to pay these debts so are given a bad credit score. That can stop you from moving and reducing your debts so you need to look to see if repairing your credit score is possible. That can be easier than it sounds if you have the right help from one of the credit repair companies at https://repair.credit/creditrepair-com-review/. Then paying off loans in a satisfactory matter will increase your credit score even more.
Save For Your Sanity
You may be surprised how much better saving a little cash, perhaps using one of the apps at http://www.huffingtonpost.co.uk/entry/apps-that-save-interest can make you feel. It does not have to be loads, but a small amount regularly will soon build up into something more substantial. There are even apps that let you save your loose change. They work by rounding up purchases you pay for and by saving the difference between the rounded up amount and what you need to pay. So if you buy an item for $2.70, $3 dollars will come out of your bank and the 30 cents difference will be put in a savings account.
Some people who have used these apps have been amazed at how quickly their loose change has grown. Savings can become a very good habit once you see it is working.
Money will rule your life if you let it and it is up to you to try and stop that from happening.
Remember to keep on slaying,
See you next time xoxo
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