07 November 2019

Simple ways to get to grips with your money



We all have lots of stressful priorities in this life. As fully-fledged adult human beings, we have loads of different things going on that whirl around our heads. It’s sort of unfair at times, but it comes with the territory of having a productive and fulfilling life. Work, personal issues, plans – they all require thought, and they can all get on top of us if we don’t work at them at least a little. Another huge aspect of life is the money we make, spend, and save. Money rules everything in this life – whether that’s a good thing or a bad thing is up for debate, but it’s true for ninety-nine percent of the population. There is a small percentage of people that absolutely do not value the coins in their pocket whatsoever (and that’s kind of beautiful), but most of us live in a society that needs to.

Handling money is a skill, whether you like it or not. Sure, some people are in terrible positions and will struggle no matter what steps they take or moves they make. It’s still something that you can improve on with training and experience, however. Traditionally, those that do okay financially are the people that sit down and actually figure out things. Those that struggle are the impulsive types that act now and think about the repercussions later on. It’s not the most popular thing to say, but it’s proven to be the case for centuries. 

How can you keep your money in your pocket, and how can you really behave yourself with it? Well, fortunately, you don’t have to have a masters in economics to be smart with money. You don’t need to be a genius to adopt simple mannerisms. A lot of this is just down to being sensible. Here are a few ways you can get a firmer grip on your finances and remove spots of doubt piece by piece. 

Budget Properly

Sit down one evening and literally analyze your money. If you’re not in a dire situation, and you have lots of errands to run, then taking time out when you’re relaxing and looking at your finances might not be the most fun thing to do. You should do it, though, because it’s the right thing. Having a plan in front of you makes everything so much easier. When it’s in your head, it’s then easy to ignore it – the idea becomes real and alive when it’s written down.

Stop Making Impulsive Decisions 

We can’t help being impulsive at times – we’re flawed and emotional, after all. Some are better at controlling their impulsive feelings than others, but we all do it from time to time. If you want to save money and have a healthier bank account in the long-term, then you’re going to have to stop throwing money away at short-term relief. It’s easier said than done, but if you can train your brain, then you’re golden. Small items on the counter at stores are little devils that make us impulsive. Items, services, and offers that might run out or expire also catch us out. Take a step back and realize that the scarcity isn’t a problem ninety-nine percent of the time. 

Bargain Hunt

There are also things that are available for a lower price – you just have to look hard enough. Yes, we just talked about not giving in to things on offer, but that’s in regards to one-off products and services. When you’re on a budget, you always need to look for cheap alternatives. Now, this sounds like a bad thing, but, at the end of the day, things at a lower price are ever as much of a step-down as people initially think. Look for smaller numbers – it’ll do you some good!

Get A Little Loan

This obviously isn’t going to be your first port of call, but it’s definitely something you could do if you’re confident enough to fulfill your end of the deal. Sometimes, the situation you’re in needs a little boost in order to get back on track. Places like Buddy Loans can solve such an instance and get you out of a hole in the short term. 

Walk More

It costs nothing to walk to the store, or walk to someone’s house. We’re in the position now where driving to nearby areas is completely normal. While you’re not causing any problems by doing so, you’re technically wasted gas and money. The petrol runs out slowly over time; if you walked, your monthly outgoings would fall fairly significantly. 
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