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Valerie
@val_q29
Use Smart Hacks
There are plenty of financial and budgeting tools and apps that can help us manage our funds, keep track of our expenses, and trigger us when we are off-track.
Simple hacks like carrying a debit card or cash instead of a credit card, or deleting our card details from shopping sites can help us avoid spending impulsively.
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Alexis T.
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Rich vs. Wealthy: What's the Difference?
Characteristics Of The Wealthy
- They live in homes just large enough for their needs and drive used cars.
- They have affordable interests.
- They don’t worry about having the highest credit scor...
Rich And Wealthy
By making wealth your priority now, you could be both later. Establish a strong financial foundation that will give you financial security and peace of mind moving forward.
Living paycheck to paycheck is a guaranteed way not to build wealth.
If you’re just starting on your personal finance journey, it might not be time for you to start acquiring these assets yet.
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- Investing in stocks is simple if you avoid lucky stock picking. Keeping long-term perspective, invest early, especially in low-cost index funds.
- Rental properties.
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Valerie
@val_q29
How Do I Get Over Anxiety About Checking My Bank Account?
Practicing financial avoidance
Whether it is about your money or a person you are not fond of, avoidance is the key to a life without unpleasant events.
Every now and then individuals feel the need to avoid checking ...
Keep track of your spending patterns
According to experts in the field, when dealing with anxiety related to checking your bank account, the best solution to manage your anxiety is by checking your bank account.
While it might hurt you, this remains the only means to help yourself get in control and start managing your money.
Make a new habit
While planning on how to better keep track of your bank account, you might want to consider methods like starting to check your account once a month.
In order to do that, it could be useful to schedule a meeting in your calendar, devoted solely to this. Other ideas might include using spreadsheets to keep track of expenses or getting an automatic tracker.
Lilliana W.
@lil_ww64
I tried 'Kakeibo': The Japanese art of saving money-and it completely changed how I spend my money
Kakeibo
Kakeibo translates as "household financial ledger" and is a simple approach to managing your finances.
For the past 116 years, kakeibo has been effective in helping people make smarter fin...
Your relationship with money
The idea behind kakeibo is to help you understand the relationship with money by keeping a ledger with all incoming and outgoing transactions.
The difference from other budgeting systems is that kakeibo emphasizes the importance of physically writing things down as a way to observe your spending habits.
Reduce impulse buying
- Can I live without this item?
- Based on my financial situation, can I afford it?
- Will I actually use it? Do I have space for it?
- How did I come across it in the first place? (Did I come across it after wandering into a gift shop out of boredom?)
- What is my emotional state in general today? (Calm? Stressed?)
- How do I feel about buying it? (Happy? Excited? Indifferent?)
- How long will this feeling last?
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