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How poor mental wellbeing can affect the way you deal with money (source Money Advice Service)

Examples of the effects include:

  • Your income could reduce or stop completely if you cannot work or need to take some time off work.
  • You might spend money you can’t afford on things you don’t need to make yourself feel better, but then regret it afterwards.
  • You might feel anxious or stressed about doing things like talking on the phone, going to the bank or opening your bills.
  • You might feel worried, anxious and nervous about day-to-day financial decisions you need to make – and so avoid making them.
  • You might find that spending money or being in debt makes you feel anxious - even if you can afford to.
  • You might not have enough money to cover spending on essential items.
  • You might find it hard to concentrate or take in all the detailed information you need to make financial decisions.
  • You might forget to do things you need to do.

How to Survive Financial Stress (source NHS Moodzone)

  • Be active
    1. Spend time with friends, keep your CV up to date and pay bills you can afford to. If you don’t work, take up some form of exercise as it can improve your mental state if you're feeling low.
    2. Search for exercise classes and sports clubs close to where you live.
  • Face your fears
    • Seek advice on how to prioritise your debts. When people feel anxious, they sometimes avoid talking to people. Some people can lose their confidence about driving or travelling. If this starts to happen, facing up to these situations will generally make them easier.
  • Don't drink too much alcohol.
    • For some people with money worries, alcohol can become a problem. You may drink more than usual as a way of dealing with your emotions or just to fill time. But alcohol won't help you deal with your problems and could add to your stress.
  • Don't lose your daily routine
    • Get up at a regular time and stick to your routine. If you lose your routine, it can affect your eating: you may stop cooking, miss breakfast because you're still in bed or eat snacks instead of having proper meals.

The charity 'Mind' has a money and mental health section on its website, which includes advice on how to manage debt.

The content of this article does not constitute individual financial advice.

How poor mental wellbeing can affect the way you deal with money(source Money Advice Service)

Examples of the effects include:

  • Your income could reduce or stop completely if you cannot work or need to take some time off work.
  • You might spend money you can’t afford on things you don’t need to make yourself feel better, but then regret it afterwards.
  • You might feel anxious or stressed about doing things like talking on the phone, going to the bank or opening your bills.
  • You might feel worried, anxious and nervous about day-to-day financial decisions you need to make – and so avoid making them.
  • You might find that spending money or being in debt makes you feel anxious - even if you can afford to.
  • You might not have enough money to cover spending on essential items.
  • You might find it hard to concentrate or take in all the detailed information you need to make financial decisions.
  • You might forget to do things you need to do.

How to Survive Financial Stress (source NHS Moodzone)

  • Be active
    1. Spend time with friends, keep your CV up to date and pay bills you can afford to. If you don’t work, take up some form of exercise as it can improve your mental state if you're feeling low.
    2. Search for exercise classes and sports clubs close to where you live.
  • Face your fears
    • Seek advice on how to prioritise your debts. When people feel anxious, they sometimes avoid talking to people. Some people can lose their confidence about driving or travelling. If this starts to happen, facing up to these situations will generally make them easier.
  • Don't drink too much alcohol.
    • For some people with money worries, alcohol can become a problem. You may drink more than usual as a way of dealing with your emotions or just to fill time. But alcohol won't help you deal with your problems and could add to your stress.
  • Don't lose your daily routine
    • Get up at a regular time and stick to your routine. If you lose your routine, it can affect your eating: you may stop cooking, miss breakfast because you're still in bed or eat snacks instead of having proper meals.

Learn how to solve a Rubik's Cube with the easiest method, using only six algorithms.

The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

The biggest stressor for individuals is money matters. If you don’t feel in control of your finances, your finances can control you and take over.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Most of us do spend a large part of our day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non for profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary.

You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

The third Monday of January is said to be the most depressing day of the year. Now, the idea of one day being worse than any other might feel like pseudo-science, but it’s certainly the case that financial pressures can come to the fore this month.

When money matters begin to affect your mental health, the easy option is to ignore it or pretend it isn’t happening. But leaving post unopened or carrying on spending won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, confronting the reality can help lift the burden.

Here are four ways you can beat money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. Even if they can’t help, just talking to someone could help you see the problem with a clearer focus. You may be able to get free and independent money advice from your employer’s employee assistance program. Alternatively, you should be able to access assistance via government sponsored or non-profit organisations.
  • Know exactly what the situation is
    • If you’ve lost track of your spending, it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’, where you can instantly find places to save or cut back.
  • Take it one at a time
    • If there are so many bills you feel overwhelmed by what to do next, stop. Take one concern at a time. You don’t need to solve it, but you might be able to make it less of a worry. Then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent and bills.
  • Make some simple changes

Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your energy company or changing to a discount supermarket. You might be able to raise some money by selling things on online. 

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

Money matters is one of the biggest stressor of an individual. If you don’t feel you are in control of your finances, your finances can control you.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Most of us do spend a large part of our day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

Harmful effects of worrying. Worrying affects not only your quality of life, but also the quality of life of those around you. If you think about all negative outcomes, you have less time to think about and focus on productive things. Headaches, muscle tension, ulcers, chest pain, and high blood pressure can all result from stressing over money. Ultimately, these health problems could end up costing you more money and will further deteriorate your quality of life. When money matters begin to affect your mental health, the easy option is to ignore it or pretend it isn’t happening. They’ll just make things worse.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, typically at your place of employment you will have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost, it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Worrying is a bad habit that can be difficult to break. Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

The biggest stressor for individuals is money matters. If you don’t feel in control of your finances, your finances can control you and take over.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Most of us do spend a large part of our day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can
    • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary.

You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

每个人最大的压力或多或少与财务有关。如果您觉得无法控制自己的财务，那么财务就会反过来控制您。

没有什么比因为财务问题度过难熬的一天或难以入睡更糟糕的了。这场景是不是听起来很熟悉？其实您并不孤单。我们大多数人确实一天中的大部分时间都在思考财务问题，事实上，研究表明我们每周要花3-4个小时思考财务问题。

当财务问题开始影响您的心理健康时，最简单的选择就是忽略它或者假装一切没有发生：您可以不去管收件箱中的账单，或者继续花钱、借钱，但这解决不了任何问题，只会让情况变得更糟。如果财务变成一种困扰，让您的日子不好过、影响您的人际关系，那么面对现实可以帮助您缓解一定压力。

下面有四种方法可以解决您的财务困扰：

  • 找个人聊聊
    • 独自承受烦恼会增加压力。如果有机会，与朋友或家人分享您的困扰
    • 对您的情况有一个清晰的认识
    • 如果您已经完全无法控制自己的支出，并且感到迷失，那么找到出路就更难了。虽然看到问题的真实严重性可能会很可怕，但一份简单的清单有助于您清楚地看到自己到底花了多少钱、花在哪里。当您找出那些明显可以省下来的钱或者可以削减的开支，您就会发现这是一种“立竿见影”的解决方法。以正确的角度看待自己当前的财务状况，您可能会发现问题并没有您想象的那么糟糕。
  • 一步一步来
    • 如果身边有很多未付账单，而您又为下一步该做什么感到不知所措，先深呼吸，然后停下来。一次解决一件事情，把您的财务问题分成几个小块。您可以一次先处理一个账单，然后再处理下一个，依此类推，直到您觉得对自己的整体情况能够看得更清晰。首先关注基本开销，如房租、一日三餐和水电费。
  • 做一些简单的改变
  • 尽管有些财务困扰可能很难解决，但您可以通过一些小而简单的改变来缓解压力，比如变更电话套餐、选择折扣超市或网上购物以释放额外的现金，以及限制自己只购买必需品。

或者，您也可以通过在网上或旧货市场出售闲置物品来筹一些钱。 

财务问题困扰着我们所有人，只是程度各有不同。重要的是承认自己有这些困扰，并从小处着手，采取积极的措施来扭转您的局面。 

免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non-for-profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non for profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Author is not a financial advisor, tax professional or legal advisor. The article and its content is for informational purposes only, reader should not construe any such information or other material as legal, tax, investment, financial, or other advice. All information, data, strategies, reports, articles and all other features of this article are provided for informational and educational purposes only and should not be considered or inferred as personalized investment advice. Article may contain errors, and the reader should not make any financial or investment decision based solely on what the reader reads in this article and writing. It shall be reader’s responsibility to perform its own due diligence, and reader must make its own decisions. Be advised and aware that financial and investment decisions involve risk. Author accept no liability whatsoever for any direct or consequential loss arising from any use of author’s writings, products, services, website, or other content, including contents of this article. Reader is responsible for its own investment research and decisions. Reader should seek the advice of a qualified investment advisor and fully understand any and all risks before investing or making any financial decision. Author make no representation that any reader will or is likely to experience results as cited in this article. All results of author’s recommendations are not based on actual investments by author and are based upon a hypothesis, available statistics and surveys which have limitations and do not reflect all components of actual investments. Reader’s actual results may vary based upon many factors. All content and references to third-party sources is provided solely for convenience. This information may be inaccurate, use at your own risk.

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There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non for profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

The content of this article does not constitute individual financial advice.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non for profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Det finnes knapt noe verre enn å føle stresset fra privatøkonomi når du prøver å komme deg gjennom arbeidsdagen eller prøver å få sove. Kjenner du deg igjen her, så er du ikke alene om det! Mange mennesker bruker store deler av dagen på å tenke på sin egen økonomi. Forskning viser at vi i gjennomsnitt tenker på penger 3-4 timer ukentlig.

Når privatøkonomi begynner å påvirke din mentale helse, er det enkelt å ignorere det eller late som ingenting. Det løser ingenting om du lar posten bli liggende uåpnet eller fortsetter å forbruke eller låne som før. Det gjør bare ting verre. Har du økonomiske bekymringer som gjør dagene tyngre og påvirker relasjonene dine, kan det lette byrden å møte virkeligheten ansikt til ansikt.

Her har du fire framgangsmåter for å ta tak i privatøkonomiske bekymringer:

  • Snakk med noen om det.
    • Å være alene om bekymringene, legger større press på deg. La gode venner og familie få vite om situasjonen, om du har mulighet til det. Føler du at privatøkonomi er for personlige til å deles med bekjente, finnes det ulike former for økonomisk rådgivning, som for eksempel gjennom NAV. Du kan ringe NAV Gjeldsrådgivning anonymt for å snakke med en rådgiver. Du kan også få hjelp via ulike gjeldsordninger. Bare det å snakke med noen kan hjelpe deg å fokusere tydeligere på problemet.
  • Få klar forståelse av situasjonen din.
    • Har du helt mistet oversikten over ditt forbruk, og føler deg fortapt, blir det enda vanskeligere å finne en utvei. Selv om det kan virke skremmende å innse hvor omfattende problemene er, vil et enkelt budsjett vise deg tydelig hva du bruker penger på og hvor mye. Noen enkle grep kan gjennomføres en gang, som f.eks. forbruksområder du kan kutte ned på i dag. Får du et riktig perspektiv på situasjonen, kan du oppdage at den ikke er så ille som du trodde.
  • Ta ett steg om gangen.
    • Har du mange forfalte regninger som overvelder deg slik at du ikke vet hva du skal gjøre, trekker du pusten dypt og stopper opp. Ta en ting om gangen og del opp privatøkonomien din i mindre deler. Ta for deg én faktura om gangen, og gå deretter videre til neste, helt til du opplever at du får med deg hele bildet. Fokuser på prioriterte utgifter, som husleie, mat, strøm og offentlige utgifter.
  • Gjør noen enkle endringer.
  • Selv om privatøkonomien kan tynge deg, kan du lette på trykket med små og enkle endringer. Du kan spare penger ved å bytte telefonleverandør eller handle mat hos billigkjeder, eller handle på nett og begrense innkjøpene til det strengt nødvendige. Du kan også få inn penger ved å selge ting på nettet, som f.eks. på Finn.

Økonomiske bekymringer kan vi alle ha, og noen av oss har mange av dem. Det er viktig at du innrømmer disse bekymringene for deg selv, og begynner å ta små, positive skritt for å rette opp situasjonen.

Il n’y a rien de pire que de passer une journée ou d’essayer de dormir alors que l’on se sent stressé par des questions d’argent. Et si c’est votre cas, curieusement, il semble que vous ne soyez pas le seul. Beaucoup de gens passent une grande partie de la semaine à penser aux questions financières. En réalité, des études montrent que nous passons 3 à 4 heures de notre semaine de travail à penser à l’argent.

Lorsque les questions d’argent commencent à affecter votre santé mentale, la solution de facilité est d’essayer de les ignorer ou de prétendre qu’elles n’ont pas lieu d’exister. Ne pas ouvrir votre courrier ou continuer à dépenser ou à emprunter ne résoudra rien. La situation ne fera qu’empirer. Si l’argent vous préoccupe et rend vos journées difficiles, tout en impactant vos relations personnelles, vous confronter à la réalité peut vous aider à alléger ce fardeau.

Nous vous proposons quatre façons de faire face à vos problèmes d’argent :

  • Parlez-en à quelqu’un.
    • Souffrir seul ne fait qu’accentuer la pression ressentie ; Si vous le pouvez, exposez la situation à vos amis, à votre famille. Vous pouvez également obtenir de l’aide par l’intermédiaire d’organismes subventionnés par l’État ou sans but lucratif au sein de votre communauté. Parfois, le simple fait d’en parler à quelqu’un peut vous aider à voir le problème de manière plus claire. Essayez de solliciter un conseil financier gratuit et impartial près de chez vous.
  • Ayez une vision claire sur votre situation.
    • Si vous avez complètement perdu le fil de vos dépenses et que vous vous sentez désemparé, il est encore plus difficile de trouver une issue. Prendre conscience de la véritable étendue des dégâts peut paraître effrayant, mais établir un simple budget vous montrera clairement combien vous dépensez et où va votre argent. Vous pourriez trouver des « solutions payantes », c’est-à-dire des domaines dans lesquels vous pouvez détecter instantanément des postes où des économies ou des réductions de dépenses sont possibles. Obtenir un bon aperçu de la situation peut vous amener à constater que la situation n’est pas aussi terrible que vous l’imaginez.
  • Faites un pas à la fois.
    • S’il y a tant de factures impayées et que vous vous sentez dépassé par les choses à faire, prenez une grande respiration et marquez un temps d’arrêt. Abordez une chose à la fois, prenez vos problèmes d’argent par petites bouchées. Traitez une facture à la fois, puis passez à la suivante, et ainsi de suite jusqu’à ce que vous vous sentiez capable de regarder la situation dans son ensemble. Concentrez-vous d’abord sur les dépenses prioritaires telles que le loyer, la nourriture et les charges.
  • Apportez quelques changements simples.
  • Bien que certains de vos soucis d’argent puissent être conséquents, vous pouvez alléger la pression par de simples petits changements. Vous pourriez libérer des liquidités supplémentaires en changeant d’opérateur téléphonique ou en optant pour un supermarché discount, ou encore en faisant vos achats en ligne tout en vous limitant aux achats nécessaires. Vous pourriez peut-être gagner de l’argent en vendant des objets sur Internet ou dans des brocantes. 

Les soucis d’argent nous concernent tous, certains plus que d’autres. Il est important de reconnaître que ces soucis ne vous épargnent pas et de commencer à prendre de petites mesures positives pour redresser votre situation.

Er is niets erger dan proberen de dag door te komen of te proberen in slaap te raken en je gestrest voelen over geldzaken. Als dit vertrouwd klinkt, ben je niet de enige. Veel mensen denken een groot deel van de week na over financiële zaken. Onderzoeken tonen zelfs aan dat we 3 tot 4 uur van onze werkweek denken over geld.

Wanneer geldzaken een impact beginnen te hebben op uw mentale gezondheid, is de gemakkelijke optie om te proberen dat te negeren of te doen of het er niet is. Je post ongeopend laten of verder uitgeven en/of lenen lost niets op. Dat maakt alles alleen maar erger. Als geld een probleem is, je dagen moeilijk maakt en een impact heeft op je relaties, kan het helpen om de realiteit voor ogen te zien om de last te verlichten.

Hier zijn vier manieren om je geldzorgen aan te pakken:

  • Praat met iemand
    • In stilte lijden verhoogt de druk. Deel de situatie met vrienden of familie als je kunt. Als alternatief kan je mogelijk hulp krijgen via door de overheid betaalde organisaties of non-profitorganisaties in je eigen gemeenschap. Door gewoon met iemand te praten, kunnen ze je helpen het probleem duidelijker te zien. Probeer gratis en onpartijdig geldadvies bij jou in de buurt te vinden
  • Krijg een duidelijke kijk op je situatie
    • Als je je uitgaven helemaal niet meer onder controle hebt en je je verloren voelt, is het nog moeilijker om een uitweg te vinden Hoewel het beangstigend kan zijn om de ware omvang van je problemen onder ogen te zien, zal een eenvoudig budget je duidelijk laten zien hoeveel je uitgeeft en waaraan. Er kunnen enkele eenvoudige 'snelle winsten' zijn; dingen waar je direct op kunt besparen of bezuinigen. Een goede kijk op de situatie doet je mogelijk inzien dat de situatie niet zo slecht is als je aanvankelijk dacht.
  • Doe het stap voor stap
    • Als er zoveel openstaande rekeningen zijn en je je overweldigd voelt door wat je vervolgens moet doen, haal dan diep adem en stop. Pak één ding tegelijk aan, splits je geldzaken op in kleine stukjes. Bekijk één factuur per keer en ga vervolgens door naar de volgende, enzovoort, tot je het grotere plaatje kunt zien. Concentreer je eerst op de belangrijkste uitgaven zoals huur, eten en nutsvoorzieningen.
  • Voer enkele eenvoudige veranderingen door
  • Hoewel je geldzorgen mogelijk groot zijn, kan je de druk verlichten met enkele kleine en eenvoudige veranderingen. Je kunt extra geld vrijmaken door van telefoonmaatschappij te veranderen of door over te stappen op een discount supermarkt of door online te winkelen en je te beperken tot het kopen van het noodzakelijke. Je kunt misschien wat geld bij elkaar krijgen door dingen online te verkopen of in een garageverkoop. 

We maken ons allemaal geldzorgen, sommigen meer dan anderen. Het is belangrijk om te erkennen dat je deze problemen hebt en kleine, positieve stappen te ondernemen om je situatie te veranderen.

Der er ikke noget værre end at prøve at komme gennem dagen eller falde i søvn og så føle sig stresset over penge. Hvis det lyder bekendt, er du overraskende nok ikke alene. Mange folk bruger en stor del af deres uge på at tænke over deres økonomi. Faktisk viser studier, at vi bruger 3-4 timer af vores arbejdsuge på at tænke på penge.

Når pengespørgsmål begynder at påvirke dit mentale helbred, er det nemme valg at prøve at ignorere det eller lade som om, at alt er, som det skal være. Det løser imidlertid ingenting at lade være med at åbne din post eller at blive ved med at forbruge og/eller optage nye lån. Det gør bare det hele værre. Hvis penge er et problem og gør hverdagen vanskelig eller påvirker dine forhold til andre mennesker, kan det løfte byrden lidt at konfrontere virkeligheden.

Her er fire måder, hvorpå du kan tage tackle dine pengeproblemer:

  • Tal med nogen
    • At lide alene bidrager kun med yderligere pres. Del situationen med venner eller familie, hvis du kan. Hvis du føler, at pengespørgsmål er en smule for personlige at dele med folk, du kender, har du måske gennem din arbejdsplads adgang til et hjælpeprogram for ansatte. Et hjælpeprogram har en telefonlinje med økonomisk rådgivning, hvor du anonymt kan tale med en rådgiver. Alternativt bør du have mulighed for at få hjælp gennem en statsstøttet eller almennyttig organisation i dit lokalsamfund. Bare det at tale med nogen kan hjælpe dig med at se problemet mere klart. Prøv at finde gratis og objektiv økonomisk rådgivning i dit nærområde
  • Få et klart overblik over din situation
    • Hvis du helt har mistet overblikket over dit forbrug og føler dig fortabt, er det endnu sværere at finde en udvej. Selvom det kan virke skræmmende at blive konfronteret med det fulde omfang af dine problemer, kan et simpelt budget klart og tydeligt vise dig, hvor meget du bruger og på hvad. Der kan være nogle simple "hurtige sejre" – områder, hvor du med det samme kan finde noget at spare eller skære ned på. Et ordentligt perspektiv på situationen kan give dig fornemmelsen af, at situationen ikke er nær så slem, som du troede.
  • Tag et skridt ad gangen
    • Hvis der er mange ubetalte regninger, og du føler dig overvældet ved tanken om de næste skridt, skal du tage en dyb vejrtrækning og stoppe det, du er i gang med. Håndtér én ting ad gangen, og opdel dine pengespørgsmål i små dele. Du kan håndtere én regning ad gangen, gå videre til den næste osv., indtil du føler, at du er klar til at tage et kig på det store billede. Fokusér i første omgang på de prioriterede udgifter som husleje, mad og forsyning.
  • Foretag nogle enkle ændringer
  • Selvom nogle af dine pengeproblemer kan være store, kan du måske mindske presset lidt med nogle små og enkle ændringer. Du kan frigøre nogle penge ved at skifte telefonselskab eller skifte til et discountsupermarked eller handle dagligvareindkøb online og desuden begrænse dig selv til kun at købe det nødvendige. Du kan have held med at tjene lidt penge ved at sælge ting online eller på loppemarkeder. 

Alle bekymrer sig om penge, men nogle mere end andre. Det er vigtigt at anerkende, at du har pengeproblemer, og starte med nogle små, positive skridt mod at ændre din situation. 

Δεν υπάρχει τίποτα χειρότερο από να προσπαθείτε να αντεπεξέλθετε στις καθημερινές δυσκολίες ή να προσπαθείτε να κοιμηθείτε και να έχετε άγχος εξαιτίας των οικονομικών προβλημάτων. Περιέργως, αν αυτό σας φαίνεται οικείο, δεν είστε οι μόνοι που νιώθετε έτσι. Πολλοί άνθρωποι αφιερώνουν ένα μεγάλο μέρος της εβδομάδας στο να σκέπτονται οικονομικά ζητήματα και, πράγματι, οι μελέτες δείχνουν ότι αφιερώνουμε 3-4 ώρες της εβδομάδας εργασίας μας σκεπτόμενοι τα χρήματα.

Όταν τα οικονομικά ζητήματα αρχίζουν να επηρεάζουν την ψυχική υγεία σας, η εύκολη επιλογή είναι να προσπαθήσετε να τα αγνοήσετε ή να προσποιηθείτε ότι δεν υπάρχουν. Το να μην ανοίγετε την αλληλογραφία σας ή να συνεχίσετε να ξοδεύετε ή/και να δανείζεστε δεν θα λύσει το πρόβλημα. Απλά, η κατάσταση θα χειροτερεύσει. Εάν τα μετρητά προκαλούν προβληματισμό, δυσκολεύουν τις ημέρες σας και επηρεάζουν τις σχέσεις σας, η αντιμετώπιση της πραγματικότητας θα συμβάλλει στο να μειωθεί το βάρος.

Εδώ, παρουσιάζουμε τέσσερις τρόπους για την αντιμετώπιση των οικονομικών προβλημάτων σας:

  • Μιλήστε σε κάποιον
    • Το να υποφέρετε μόνοι αυξάνει την πίεση. Μιλήστε για την κατάσταση σε φίλους ή συγγενείς, εάν μπορείτε. Εάν νιώθετε ότι τα οικονομικά προβλήματα είναι πολύ προσωπικά για να τα μοιραστείτε με άτομα που γνωρίζετε, ενδέχεται να έχετε πρόσβαση σε ένα Πρόγραμμα Υποστήριξης Εργαζομένων (Employee Assistance Program – EAP) στον χώρο εργασίας σας. Το ΕΑΡ περιλαμβάνει μια γραμμή παροχής χρηματοοικονομικών συμβουλών όπου μπορείτε να μιλήσετε ανώνυμα με κάποιον σύμβουλο. Εναλλακτικά, θα μπορείτε να λάβετε υποστήριξη από οργανώσεις που χρηματοδοτούνται από το κράτος ή από μη κερδοσκοπικές οργανώσεις, οι οποίες δραστηριοποιούνται στο πλαίσιο της κοινότητάς σας. Εντούτοις, εάν μιλήσετε με κάποιο άλλο άτομο μπορεί να δείτε πιο καθαρά το πρόβλημα. Προσπαθήστε να βρείτε δωρεάν και αμερόληπτες συμβουλές επί οικονομικών θεμάτων στην περιοχή σας
  • Προσπαθήστε να σχηματίσετε μια σαφή εικόνα της κατάστασής σας
    • Εάν έχετε χάσει την αίσθηση των δαπανών σας και νιώθετε χαμένοι, είναι ακόμα πιο δύσκολο να βρείτε διέξοδο. Παρόλο που εάν διαπιστώσετε την πραγματική έκταση των προβλημάτων σας μπορεί να τρομάξετε, ένας απλός προϋπολογισμός μπορεί να σας δείξει με σαφήνεια πόσα χρήματα ξοδεύετε και πού. Θα μπορούσαν να υπάρχουν τομείς «άμεσης νίκης», που σας προσφέρουν τρόπους για να εξοικονομείτε χρήματα ή να μειώνετε τις δαπάνες σας. Η σωστή αντίληψη της κατάστασης μπορεί να σας βοηθήσει να σκεφτείτε ότι τα πράγματα δεν είναι τόσο άσχημα όσο φαίνονται.
  • Να προχωράτε βήμα βήμα
    • Εάν υπάρχουν πολλοί ανεξόφλητοι λογαριασμοί και νιώθετε ότι βρίσκεστε σε αδιέξοδο, πάρτε μια βαθιά ανάσα και κάντε μια παύση. Να ασχολείστε με ένα ζήτημα τη φορά και να διαχωρίζετε τα οικονομικά σας προβλήματα σε μικρότερα μέρη. Μπορείτε να διαχειρίζεστε έναν λογαριασμό τη φορά και να συνεχίζετε με τον επόμενο και ούτω καθ’ εξής μέχρις ότου να μπορέσετε να δείτε τη γενικότερη εικόνα. Επικεντρωθείτε πρώτα στα έξοδα προτεραιότητας, όπως το ενοίκιο, το φαγητό και οι λογαριασμοί για υπηρεσίες κοινής ωφέλειας.
  • Πραγματοποιήστε ορισμένες απλές αλλαγές
  • Παρόλο που ορισμένα από τα οικονομικά σας προβλήματα μπορεί να είναι σημαντικά, ίσως μπορείτε να μειώσετε την πίεση προχωρώντας σε ορισμένες μικρές και απλές αλλαγές. Θα μπορούσατε να εξοικονομήσετε ένα μικρό ποσό σε μετρητά αλλάζοντας τηλεφωνική εταιρεία ή κάνοντας τα ψώνια σας από εκπτωτικό σουπερμάρκετ ή μέσω διαδικτύου και να περιοριστείτε στην αγορά των απαραίτητων ειδών. Επίσης, ενδέχεται να έχετε τη δυνατότητα να κερδίσετε μερικά χρήματα πωλώντας διάφορα αντικείμενα μέσω διαδικτύου ή σε παζάρια. 

Τα οικονομικά προβλήματα μας απασχολούν όλους, αλλά για κάποιους είναι πιο σοβαρά. Είναι σημαντικό να αναγνωρίσετε ότι έχετε οικονομικά προβλήματα και θα πρέπει να ξεκινήσετε την προσπάθεια αναστροφής της κατάστασης, πραγματοποιώντας απλές ενέργειες που χαρακτηρίζονται από θετικότητα.

No hay nada peor que tratar de sacar adelante un día o conciliar el sueño cuando uno se siente estresado por problemas de dinero. Si esto le suena familiar, debe saber que no está solo. Mucha gente dedica una parte importante de su tiempo a meditar cuestiones financieras. De hecho, hay estudios que demuestran que pasamos entre 3 y 4 horas de nuestra semana laboral pensando en el dinero.

Cuando estas cuestiones financieras comienzan a afectar a su salud mental, lo más fácil es tratar de ignorarlas y hacer como si nada estuviera pasando. Sin embargo, debe tener en cuenta que dejar el correo sin abrir o seguir gastando y/o pidiendo dinero prestado no solucionará sus problemas. Más bien al contrario, lo único que hará será empeorarlos. Si el dinero es una preocupación que le complica la vida y afecta a sus relaciones, enfrentarse con su realidad puede ayudarle a aligerar la carga que le supone.

A continuación le presentamos cuatro formas de enfrentarse a sus problemas de dinero:

  • Hable con alguien
  • Obtenga una visión clara de su situación
    • Si ha perdido por completo la cuenta de sus gastos o se siente desorientado, encontrar la salida le resultará todavía más difícil. Aunque pueda asustarle enfrentarse al verdadero alcance de sus problemas, un sencillo presupuesto le mostrará con claridad cuánto puede gastar y en qué. Además, puede que se encuentre con lo que podríamos denominar «victorias rápidas», es decir, pequeñas cosas en las que ahorrar o recortar de forma instantánea. Buscar una perspectiva más precisa y fidedigna sobre su situación puede llevarle a ver que en realidad no es tan mala como pensaba.
  • Avance paso a paso.
    • Si tiene tantas facturas pendientes que le sobrepasa el mero pensamiento de cómo va a pagarlas todas, deténgase un momento y respire profundamente. Aborde los problemas de dinero uno a uno desglosándolos en pequeñas tareas que pueda manejar. Puede, por ejemplo, ocuparse de una factura ahora para, posteriormente, pasar a la siguiente, y así sucesivamente hasta que se sienta capaz de hacer frente a todas juntas. En primer lugar, céntrese en los gastos prioritarios, como el alquiler, los alimentos y las facturas de electricidad, agua y gas.
  • Empiece por cambios sencillos
  • Puede que sus problemas de dinero sean grandes, pero hacer cambios pequeños y sencillos puede aliviar parte de la presión a la que está sometido. También puede disponer de dinero adicional cambiando de compañía telefónica, comprando en un supermercado más barato o haciendo la compra online y limitándose a lo estrictamente necesario. Otra posible opción es recaudar algo de efectivo vendiendo cosas que no use en Internet o en tiendas de segunda mano. 

Aunque a algunos más que a otros, los problemas de dinero nos afectan a todos. Lo más importante es reconocer cuando uno los tiene y comenzar a adoptar pequeñas medidas positivas para darle la vuelta a la situación. 

Nincs is rosszabb, mint megpróbálni átvészelni a napot, vagy elaludni, miközben nyomasztanak a pénzügyek. Meglepő módon, ha ez ismerősen hangzik, nem vagy egyedül. Sok ember a hét nagy részében pénzügyeken gondolkozik. Kutatások szerint voltaképpen a munkahét során 3-4 órát a pénzen való gondolkodással töltünk.

Ha a pénzügyek elkezdenek kihatni a mentális egészségedre, a könnyebb út, hogy figyelmen kívül hagyod, és úgy teszel, mintha semmi nem történne. Azonban ha nem nyitod meg a leveleidet, és folytatod a költekezést és/vagy a kölcsönkérést, az nem old meg semmit. Sőt, inkább csak ront a helyzeten. Ha a pénz gondot jelent, megnehezíti a napjaid, és kihat a kapcsolataidra, akkor a valósággal való szembenézés segíthet enyhíteni a terheken.

Íme négy módszer, amellyel a pénzügyi gondjaidat kezelheted:

  • Beszélj valakivel!
    • Ha egyedül szenvedsz, az csak fokozza a nyomást. Ha teheted, meséld el a helyzetet a barátaidnak vagy családodnak. Ha úgy érzed, hogy a pénzügyek túl személyesek ahhoz, hogy megoszd azokkal az emberekkel, akiket ismersz, akkor esetleg a munkahelyeden igénybe vehetsz egy munkavállalói tanácsadó programot. Egy munkavállalói tanácsadó programnak van egy pénzügyi tanácsadó vonala, ahol névtelenül beszélhetsz egy tanácsadóval. Másik lehetőségként kérhetsz segítséget állami támogatású vagy nonprofit cégektől a saját közösségedben. Önmagában már az is segíthet tisztábban látni a problémát, ha beszélsz valakivel. Próbálj ingyenes és pártatlan pénzügyi tanácsadást keresni a közeledben.
  • Lásd tisztán a helyzeted!
    • Ha teljesen elvesztetted a fonalat a kiadásaiddal kapcsolatban, és elveszettnek érzed magad, még nehezebb kiutat találni. Bár ijesztő lehet látni a problémáid valós mértékét, egy egyszerű költségvetés egyértelműen megmutatja, hogy mennyit és mire költesz. Arathatsz pár „gyors sikert”; olyan területeken, amelyeken azonnal tudsz spórolni és visszafogni a kiadásokat. A helyzet megfelelő megvilágításba helyezésével láthatod, hogy nem olyan rossz a helyzet, mint gondoltad.
  • Egyszerre egy lépést tegyél!
    • Ha túl sok a rendezetlen számla, és nyomaszt, hogy mit csinálj következővel, vegyél egy mély levegőt, és állj meg. Egyszerre egy dolgot célozz meg, bontsd szét a pénzügyeidet apró darabokra. Egyszerre egy számlával foglalkozz, majd lépj tovább a következőre, és így tovább, amíg készen nem állsz arra, hogy a teljes képet nézd. Először az elsődleges kiadásokra fókuszálj, mint az albérlet, élelmiszer és közművek.
  • Vezess be néhány egyszerű változást!
  • Bár néhány pénzügyi gondod jelentős lehet, csökkentheted a nyomást néhány kicsi és egyszerű változással. Felszabadíthatsz többletpénzt azáltal, hogy telefontársaságot váltasz, ha diszkontáruházra vagy online vásárlásra térsz át, és a szükséges dolgok megvásárlására korlátozod magad. Azzal is gyűjthetsz egy kis pénzt, ha online vagy garázsvásárokban eladsz dolgokat. 

A pénzügyi gondok mindannyiunkat érintenek; egyeseket jobban, mint másokat. Fontos tudomásul venni ezeket, és kicsi, pozitív lépéseket tenni a helyzet megváltoztatására.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or non-for-profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

The content of this article does not constitute individual financial advice.

Il n’y a rien de pire que d’essayer de fonctionner au quotidien ou de trouver le sommeil quand on est en proie au stress causé par des soucis financiers. Si vous vous reconnaissez, rassurez-vous, vous n’êtes pas seul(e) dans ce cas. Nombreux sont ceux qui passent une grande partie de la semaine à ressasser leurs soucis financiers. Des études ont montré que nous passons entre 3 et 4 heures de notre semaine de travail à penser à des questions d’argent.

Lorsque ces questions financières commencent à affecter notre santé mentale, la solution la plus facile est d’essayer de les ignorer ou de faire comme si de rien n’était. Ne pas ouvrir votre courrier ou continuer à dépenser et/ou à emprunter ne résoudra pas vos problèmes. Votre situation va seulement s’aggraver. Si l’argent est une préoccupation qui rend vos journées difficiles et affecte vos relations, faire face à la réalité pourrait alléger ce fardeau.

Voici quatre manières de traiter vos soucis financiers :

  • Parlez-en à quelqu’un.
    • Souffrir en silence ne fait qu’augmenter la pression. Faites part de la situation à des amis ou à votre famille, si possible. Si ces questions financières sont trop personnelles pour en parler avec votre entourage, vous pourriez bénéficier d'un programme d’aide aux employés sur votre lieu de travail. Un tel programme proposera un service téléphonique qui vous permettra de parler à un conseiller financier de manière anonyme. Vous pourriez aussi obtenir de l’aide auprès d’organismes subventionnés par l’État ou à but non lucratif au sein de votre communauté. Rien que le fait de parler à quelqu’un peut vous aider à mieux cerner le problème. Essayez de trouver un service de conseils financiers gratuit et impartial à proximité.
  • Ayez une idée claire de votre situation.
    • Si vos dépenses sont hors de contrôle et si vous vous sentez perdu(e), il est encore plus difficile de trouver une solution pour s’en sortir. Même s’il peut être angoissant de connaître l’étendue réelle de vos problèmes, établir un simple budget vous montrera clairement combien vous dépensez et dans quels domaines. Il pourrait y avoir des postes de dépenses que vous pourriez instantanément réduire et ainsi réaliser des économies. En ayant une vue d'ensemble de la situation, vous pourriez constater que la situation n’est pas aussi grave que vous le pensiez.
  • Procédez étape par étape.
    • Si vous avez de nombreuses factures impayées et si vous ne savez pas quoi faire, prenez une profonde inspiration et arrêtez-vous un instant. Traitez une chose à la fois et décomposez vos finances de manière à ce qu’elles soient plus gérables. Vous pouvez gérer une facture à la fois, avant de passer à la suivante, jusqu’à ce que vous puissiez avoir une vue globale de la situation. Concentrez-vous tout d’abord sur les dépenses prioritaires, comme le loyer, la nourriture et les services publics.
  • Apportez des changements simples.
  • Même si certains de vos soucis financiers peuvent être importants, essayez d’apporter des petits changements simples pour réduire la pression. Vous pourriez économiser davantage en changeant de compagnie de téléphone ou en faisant vos courses dans un supermarché discount ou en ligne et en vous limitant au strict nécessaire. Vous pourriez récupérer un peu d’argent en vendant des choses en ligne ou dans des greniers dans la rue. 

Nous sommes tous concernés par les soucis financiers, certains plus que d’autres. Il est important de le reconnaître et de prendre de petites mesures positives pour remédier à la situation.

Es gibt nichts Schlimmeres, als sich durch den Tag zu quälen oder nachts nicht schlafen zu können, weil man von Geldsorgen geplagt wird. Wenn Ihnen das bekannt vorkommt, sind Sie nicht alleine. Viele Menschen bringen einen Großteil der Woche damit zu, über finanzielle Angelegenheiten zu grübeln; tatsächlich zeigen Studien, dass wir 3-4 Stunden pro Arbeitswoche über Geld nachdenken.

Wenn Geldangelegenheiten Ihre psychische Gesundheit belasten, ist es leicht, dies zu ignorieren oder zu verdrängen. Ihre Post nicht zu öffnen oder immer weiter Geld auszugeben und/oder zu leihen, ist jedoch keine Lösung. Es macht die Situation nur noch schlimmer. Wenn Sie Geldsorgen haben, die Ihren Alltag und Ihre Beziehungen beeinträchtigen, kann es hilfreich sein, sich der Realität zu stellen.

Die folgenden vier Möglichkeiten können Sie bei der Bewältigung Ihrer Geldsorgen unterstützen:

  • Reden Sie mit jemandem
    • Sie setzen sich nur noch mehr unter Druck, wenn Sie alleine damit fertig werden wollen. Reden Sie mit Ihrer Familie oder mit Freunden über Ihre Lage, wenn Sie können. Halten Sie finanzielle Sorgen für eine zu persönliche Angelegenheit, um sie mit jemandem zu besprechen, den Sie kennen, dann gibt es an Ihrem Arbeitsplatz vielleicht ein Programm für Mitarbeiterberatung (EAP – Employee Assistance Program), das Ihnen helfen kann. Diese Programme verfügen über eine telefonische Beratung für Finanzangelegenheiten, bei der Sie sich anonym an einen Berater wenden können. Eine Alternative wären staatlich geförderte oder gemeinnützige Einrichtungen in Ihrer Gemeinde, bei denen Sie sich Unterstützung holen können. Oft hilft es schon, klarer zu sehen, wenn man mit jemandem über das Problem redet. Hier können Sie herausfinden, ob es in Ihrer Nähe eine kostenlose und neutrale Finanzberatung gibt
  • Verschaffen Sie sich einen klaren Überblick über Ihre Situation
    • Wenn Sie jeglichen Überblick über Ihre Ausgaben verloren haben und nicht mehr weiter wissen, ist ein Ausweg noch schwerer zu finden. Auch wenn es beängstigend sein kann, das wahre Ausmaß Ihrer Probleme zu sehen – eine einfache Budgetaufstellung zeigt deutlich auf, wie viel Sie ausgeben und wofür. Vielleicht gibt es ein paar „schnelle Lösungen“: Bereiche, in denen Sie Ihre Kosten sofort senken oder die Sie komplett einsparen können. Realistisch betrachtet ist Ihre Situation vielleicht gar nicht so schlimm, wie Sie denken.
  • Machen Sie einen Schritt nach dem anderen
    • Wenn Sie sehr viele fällige Rechnungen haben und sich überfordert fühlen, atmen Sie tief durch und halten Sie kurz inne. Erledigen Sie eines nach dem anderen, teilen Sie Ihre Geldangelegenheiten in kleine, durchführbare Aufgaben ein. Nehmen Sie sich jede Rechnung einzeln vor, bis Sie sich in der Lage fühlen, das Gesamtbild zu betrachten. Konzentrieren Sie sich zunächst auf vorrangige Ausgaben wie Miete, Nebenkosten und Lebensmittel.
  • Nehmen Sie einfache Änderungen vor
  • Auch wenn Ihre Geldsorgen groß sind, können Sie die finanzielle Belastung mit ein paar kleinen und einfachen Änderungen vielleicht etwas verringern. Sie könnten zum Beispiel durch einen Wechsel Ihres Telefonanbieters Geldmittel freimachen, oder indem Sie beim Discounter oder online einkaufen und sich dabei auf das Allernötigste beschränken. Vielleicht können Sie ein paar Dinge im Internet oder auf dem Flohmarkt verkaufen und so zu Geld kommen. 

Geldprobleme machen uns allen zu schaffen, dem einen mehr, dem anderen weniger. Wichtig ist, sie sich einzugestehen und der Situation mit kleinen, konstruktiven Schritten zu begegnen.

Non c’è niente di peggio che provare ad arrivare a fine giornata o a prendere sonno con lo stress che incombe dovuto a questioni finanziarie. Ti suona familiare? Tranquillo, non sei solo. Molte persone trascorrono gran parte della settimana riflettendo su questioni finanziarie; in effetti, secondo alcuni studi, passiamo 3-4 ore della settimana lavorativa pensando ai soldi.

Se le questioni finanziarie iniziano a compromettere la tua salute mentale, la cosa più semplice è provare ad ignorarle o far finta che non esistano. Non aprire la posta o continuare a spendere e/o contrarre prestiti non risolverà niente. L’unica cosa che si ottiene è peggiorare le cose. Se il denaro ti preoccupa e rende difficili le tue giornate, compromettendo i rapporti interpersonali, affrontare la realtà può contribuire ad alleggerire il peso.

Ecco quattro modi per affrontare le preoccupazioni finanziarie:

  • Parlare con qualcuno
    • Angustiarsi in solitudine aggiunge pressione. Se puoi, parla della situazione con gli amici o con i familiari. Se credi che le tue questioni finanziarie siano troppo personali per parlarne con chi conosci, sul luogo di lavoro puoi accedere ad un Programma di Assistenza per i Dipendenti (PAD). Il PAD possiede una linea telefonica di consulenza finanziaria e offre la possibilità di parlare con un consulente in forma anonima. Oppure, puoi usufruire di assistenza tramite enti no-profit o sponsorizzati dal governo presenti sul territorio. Semplicemente parlarne con qualcuno può aiutarti a vedere il problema con maggiore chiarezza. Prova e trovauna consulenza finanziaria gratuita ed imparziale nelle vicinanze
  • Ottieni una visione chiara della tua situazione
    • Se hai perso completamente traccia delle tue spese e ti senti perso, è ancora più difficile trovare una via d’uscita. Benché possa sembrare terrificante vedere la reale portata dei tuoi problemi, un semplice bilancio ti può mostrare chiaramente quanto e dove spendi. Potresti raggiungere dei “traguardi lampo” individuando immediatamente dei settori su cui risparmiare o tagliare. Guardando la situazione dalla giusta prospettiva potrebbe apparire meno negativa di quanto credevi.
  • Fai un passo alla volta
    • Se hai tanti conti in sospeso e ti senti sopraffatto dalle azioni da intraprendere, fai un profondo respiro e fermati. Occupati di una cosa alla volta, suddividi le questioni finanziarie in parti piccole. Puoi occuparti di una fattura alla volta, per poi passare a quella successiva e così via finché non sarai in grado di visualizzare il quadro globale. Prima di tutto concentrati sulle spese prioritarie come l’affitto, il cibo e le utenze.
  • Fai dei piccoli cambiamenti
  • Anche se alcune delle tue preoccupazioni finanziarie fossero grandi, potresti allentare la pressione con dei piccoli e facili cambiamenti. Potresti ottenere una maggiore disponibilità di denaro cambiando compagnia telefonica o passando ad un supermercato di tipo discount oppure facendo acquisti online e limitandoti a comprare lo stretto necessario. Potresti tirar su un po’ di soldi vendendo articoli online o ai mercatini dell’usato. 

Tutti abbiamo preoccupazioni finanziarie, ma alcuni più di altri. È importante esserne consapevoli ed iniziare a fare dei piccoli gesti positivi per cambiare la situazione.

Il n’y a rien de pire que d’essayer de fonctionner au quotidien ou de trouver le sommeil quand on est en proie au stress causé par des soucis financiers. Si c’est votre cas, rassurez-vous, vous n’êtes pas seul(e) dans ce cas. Nombreux sont ceux qui passent une grande partie de la semaine à ressasser leurs soucis financiers. Des études ont montré que nous passons entre 3 et 4 heures de notre semaine de travail à penser à des questions d’argent.

Lorsque ces questions financières commencent à affecter notre santé mentale, la solution la plus facile est d’essayer de les ignorer ou de faire comme si de rien n’était. Ne pas ouvrir votre courrier ou continuer à dépenser et/ou à emprunter ne résoudra pas vos problèmes. Votre situation va seulement s’aggraver. Si l’argent est une préoccupation qui rend vos journées difficiles et affecte vos relations, faire face à la réalité pourrait alléger ce fardeau.

Voici quatre manières de traiter vos soucis financiers :

  • Parlez-en à quelqu’un.
    • Souffrir en silence ne fait qu’augmenter la pression. Faites part de la situation à des amis ou à votre famille, si possible. Vous pourriez aussi obtenir de l’aide auprès d’organismes subventionnés par l’État ou à but non lucratif au sein de votre communauté. Rien que le fait de parler à quelqu’un peut vous aider à mieux cerner le problème. Essayez de trouver un service de conseils financiers gratuit et impartial à proximité.
  • Ayez une idée claire de votre situation.
    • Si vos dépenses sont hors de contrôle et si vous vous sentez perdu(e), il est encore plus difficile de trouver une solution pour s’en sortir. Même s’il peut être angoissant de connaître l’étendue réelle de vos problèmes, établir un simple budget vous montrera clairement combien vous dépensez et dans quels domaines. Il pourrait y avoir des postes de dépenses que vous pourriez instantanément réduire et ainsi réaliser des économies. En ayant une vue d'ensemble de la situation, vous pourriez constater que la situation n’est pas aussi grave que vous le pensiez.
  • Procédez étape par étape.
    • Si vous avez de nombreuses factures impayées et si vous ne savez pas quoi faire, prenez une profonde inspiration et arrêtez-vous un instant. Traitez une chose à la fois et décomposez vos finances de manière à ce qu’elles soient plus gérables. Vous pouvez gérer une facture à la fois, avant de passer à la suivante, jusqu’à ce que vous puissiez avoir une vue globale de la situation. Concentrez-vous tout d’abord sur les dépenses prioritaires, comme le loyer, la nourriture et les services publics.
  • Apportez des changements simples.
  • Même si certains de vos soucis financiers peuvent être importants, essayez d’apporter des petits changements simples pour réduire la pression. Vous pourriez économiser davantage en changeant de compagnie de téléphone ou en faisant vos courses dans un supermarché discount ou en ligne et en vous limitant au strict nécessaire. Vous pourriez récupérer un peu d’argent en vendant des choses en ligne ou dans des greniers dans la rue. 

Nous sommes tous concernés par les soucis financiers, certains plus que d’autres. Il est important de le reconnaître et de prendre de petites mesures positives pour remédier à la situation.

Non c’è niente di peggio che provare ad arrivare a fine giornata o a prendere sonno con lo stress che incombe dovuto a questioni finanziarie. Ti suona familiare? Tranquillo, non sei solo. Molte persone trascorrono gran parte della settimana riflettendo su questioni finanziarie; in effetti, secondo alcuni studi, passiamo 3-4 ore della settimana lavorativa pensando ai soldi.

Se le questioni finanziarie iniziano a compromettere la tua salute mentale, la cosa più semplice è provare ad ignorarle o far finta che non esistano. Non aprire la posta o continuare a spendere e/o contrarre prestiti non risolverà niente. L’unica cosa che si ottiene è peggiorare le cose. Se il denaro ti preoccupa e rende difficili le tue giornate, compromettendo i rapporti interpersonali, affrontare la realtà può contribuire ad alleggerire il peso.

Ecco quattro modi per affrontare le preoccupazioni finanziarie:

  • Parlare con qualcuno
    • Angustiarsi in solitudine aggiunge pressione. Se puoi, parla della situazione con gli amici o con i familiari. Se credi che le tue questioni finanziarie siano troppo personali per parlarne con chi conosci, sul luogo di lavoro puoi accedere ad un Programma di Assistenza per i Dipendenti (PAD). Il PAD possiede una linea telefonica di consulenza finanziaria e offre la possibilità di parlare con un consulente in forma anonima. Oppure, puoi usufruire di assistenza tramite enti no-profit o sponsorizzati dal governo presenti sul territorio. Semplicemente parlarne con qualcuno può aiutarti a vedere il problema con maggiore chiarezza. Prova e trovauna consulenza finanziaria gratuita ed imparziale nelle vicinanze
  • Ottieni una visione chiara della tua situazione
    • Se hai perso completamente traccia delle tue spese e ti senti perso, è ancora più difficile trovare una via d’uscita. Benché possa sembrare terrificante vedere la reale portata dei tuoi problemi, un semplice bilancio ti può mostrare chiaramente quanto e dove spendi. Potresti raggiungere dei “traguardi lampo” individuando immediatamente dei settori su cui risparmiare o tagliare. Guardando la situazione dalla giusta prospettiva potrebbe apparire meno negativa di quanto credevi.
  • Fai un passo alla volta
    • Se hai tanti conti in sospeso e ti senti sopraffatto dalle azioni da intraprendere, fai un profondo respiro e fermati. Occupati di una cosa alla volta, suddividi le questioni finanziarie in parti piccole. Puoi occuparti di una fattura alla volta, per poi passare a quella successiva e così via finché non sarai in grado di visualizzare il quadro globale. Prima di tutto concentrati sulle spese prioritarie come l’affitto, il cibo e le utenze.
  • Fai dei piccoli cambiamenti
  • Anche se alcune delle tue preoccupazioni finanziarie fossero grandi, potresti allentare la pressione con dei piccoli e facili cambiamenti. Potresti ottenere una maggiore disponibilità di denaro cambiando compagnia telefonica o passando ad un supermercato di tipo discount oppure facendo acquisti online e limitandoti a comprare lo stretto necessario. Potresti tirar su un po’ di soldi vendendo articoli online o ai mercatini dell’usato. 

Tutti abbiamo preoccupazioni finanziarie, ma alcuni più di altri. È importante esserne consapevoli ed iniziare a fare dei piccoli gesti positivi per cambiare la situazione.

Es gibt nichts Schlimmeres, als sich durch den Tag zu quälen oder nachts nicht schlafen zu können, weil man von Geldsorgen geplagt wird. Wenn Ihnen das bekannt vorkommt, sind Sie nicht alleine. Viele Menschen bringen einen Großteil der Woche damit zu, über finanzielle Angelegenheiten zu grübeln; tatsächlich zeigen Studien, dass wir 3-4 Stunden pro Arbeitswoche über Geld nachdenken.

Wenn Geldangelegenheiten Ihre psychische Gesundheit belasten, ist es leicht, dies zu ignorieren oder zu verdrängen. Ihre Post nicht zu öffnen oder immer weiter Geld auszugeben und/oder zu leihen, ist jedoch keine Lösung. Es macht die Situation nur noch schlimmer. Wenn Sie Geldsorgen haben, die Ihren Alltag und Ihre Beziehungen beeinträchtigen, kann es hilfreich sein, sich der Realität zu stellen.

Die folgenden vier Möglichkeiten können Sie bei der Bewältigung Ihrer Geldsorgen unterstützen:

  • Reden Sie mit jemandem
    • Sie setzen sich nur noch mehr unter Druck, wenn Sie alleine damit fertig werden wollen. Reden Sie mit Ihrer Familie oder mit Freunden über Ihre Lage, wenn Sie können. Halten Sie finanzielle Sorgen für eine zu persönliche Angelegenheit, um sie mit jemandem zu besprechen, den Sie kennen, dann gibt es an Ihrem Arbeitsplatz vielleicht ein Programm für Mitarbeiterberatung (EAP – Employee Assistance Program), das Ihnen helfen kann. Diese Programme verfügen über eine telefonische Beratung für Finanzangelegenheiten, bei der Sie sich anonym an einen Berater wenden können. Eine Alternative wären staatlich geförderte oder gemeinnützige Einrichtungen in Ihrer Gemeinde, bei denen Sie sich Unterstützung holen können. Oft hilft es schon, klarer zu sehen, wenn man mit jemandem über das Problem redet. Hier können Sie herausfinden, ob es in Ihrer Nähe eine kostenlose und neutrale Finanzberatung gibt
  • Verschaffen Sie sich einen klaren Überblick über Ihre Situation
    • Wenn Sie jeglichen Überblick über Ihre Ausgaben verloren haben und nicht mehr weiter wissen, ist ein Ausweg noch schwerer zu finden. Auch wenn es beängstigend sein kann, das wahre Ausmaß Ihrer Probleme zu sehen – eine einfache Budgetaufstellung zeigt deutlich auf, wie viel Sie ausgeben und wofür. Vielleicht gibt es ein paar „schnelle Lösungen“: Bereiche, in denen Sie Ihre Kosten sofort senken oder die Sie komplett einsparen können. Realistisch betrachtet ist Ihre Situation vielleicht gar nicht so schlimm, wie Sie denken.
  • Machen Sie einen Schritt nach dem anderen
    • Wenn Sie sehr viele fällige Rechnungen haben und sich überfordert fühlen, atmen Sie tief durch und halten Sie kurz inne. Erledigen Sie eines nach dem anderen, teilen Sie Ihre Geldangelegenheiten in kleine, durchführbare Aufgaben ein. Nehmen Sie sich jede Rechnung einzeln vor, bis Sie sich in der Lage fühlen, das Gesamtbild zu betrachten. Konzentrieren Sie sich zunächst auf vorrangige Ausgaben wie Miete, Nebenkosten und Lebensmittel.
  • Nehmen Sie einfache Änderungen vor
  • Auch wenn Ihre Geldsorgen groß sind, können Sie die finanzielle Belastung mit ein paar kleinen und einfachen Änderungen vielleicht etwas verringern. Sie könnten zum Beispiel durch einen Wechsel Ihres Telefonanbieters Geldmittel freimachen, oder indem Sie beim Discounter oder online einkaufen und sich dabei auf das Allernötigste beschränken. Vielleicht können Sie ein paar Dinge im Internet oder auf dem Flohmarkt verkaufen und so zu Geld kommen. 

Geldprobleme machen uns allen zu schaffen, dem einen mehr, dem anderen weniger. Wichtig ist, sie sich einzugestehen und der Situation mit kleinen, konstruktiven Schritten zu begegnen. 

Günü maddi kaygılarla geçirmeye çalışmaktan, bu kaygıları taşırken uyumaya çalışmaktan daha kötü bir şey yoktur. Bu durum size tanıdık geliyor ise yalnız değilsiniz. Bir çok insan günün büyük bir kısmını maddi konuları düşünerek geçiriyor. Yapılan çalışmalar haftanın 3-4 saatini finansal konuları düşünerek geçirdiğimizi göstermektedir

Maddi kaygılar zihinsel sağlığınızı etkilemeye başladığında, en kolay seçenek onu görmezden gelmek veya onun var olmadığını kabul etmektir. Size gelen bildirimleri okumamak veya harcamaya veya borç almaya devam etmek sorunlarınızı çözmeyecektir. Bu sadece durumu daha da kötüleştirecektir. Nakit akışı bir endişe kaynağı ise, sizin gününüzü zorlaştırıyorsa, Gerçekle yüzleşmek yükünüzü hafifletecektir.

4 Şekilde bu kaygılarınız aşabilirsiniz:

  • Biriyle konuşun
    • Bu duruma tek başına katlanmak baskıyı arttıracaktır. Yapabiliyorsanız bu durumu arkadaşınız veya aile üyeleri ile paylaşın. Eğer finansal konuların tanıdığınızkişilerle paylaşılamayacak kadar şahsi olduğunu düşünüyorsanız ve işvereniniz size Çalışan Yardım programı (EAP) sunuyorsa, onlara ulaşabilirsiniz. Bu programlar size finansal konularda bilgi sunacak bir danışman ile görüşmenizi sağlayabilir. Alternatively, you should be able to access assistance via government sponsored or non for profit organizations within your own communities. Sadece biriyle konuşarak bile duruma daha gerçekçi bakmamızı sağlayabilir. Yakınlarınızdaki ücretsiz ve tarafsız finansal danışmana ulaşın.
  • Durumunuz hakkında gerçekçi bir fikriniz olsun
    • Eğer harcama konusunda yolunuzu tamamen kaybettyseniz, çıkış yolu bulmakta zorlanabilirsiniz. Sorunlarınızın gerçek boyutunu görmek korkutucu olsa da basit bir bütçe çalışması size ne kadar ve nerede harcadığınızı açıkça gösterecektir. Ufak bir inceleme ile maliyetleri kısarak ve bazı harcamaları önleyerek bazı “hızlı kazanç” yolları bulabilirsiniz. Durum hakkında doğru bir bakış açısı, durumun düşündüğünüz kadar kötü olmadığını farketmenizi sağlayabilir.
  • Her seferinde bir adım atın.
    • Çok fazla ödenmemiş faturanız varsa ve bu konuda ne yapacağınızı bilememekten bunaldıysanız, derin bir nefes alın ve durun. Her seferinde bir konuyu ele alın, finansal sorunlarınızı ufak parçalara bölün. İlk sefer bir faturayı ele alıp, sonra diğerine geçip, bu şekilde devam ederek büyük resme ulaşabilirsiniz. Önce kira, yiyecek ve faturalar gibi zorunlu harcamalara odaklanın.
  • Basit değişiklikler yapın
  • Maddi kaygılarınızın bir kısmı büyük olsa da, bazı küçük ve basit değişikliklerle üzerinizdeki baskıyı azaltabilirsiniz. Cep telefonu tarifenizi değiştirerek, indirim kampanyalarını takip ederek veya kendinizi sadece zorunlu alışverişler ile sınırlayarak maliyetlerinizi azaltabiirsiniz, You might be able to raise some money by selling things on online or at garage sales.

Maddi konular, bazılarımızı daha fazla olsa da hepimizi endişelendirebilir Önemli olan bunları kabullenmek, önlemleri düşünmek ve bu doğrultuda küçük adımlar atmaya başlamaktır.

沒有什麼比由財務壓力導致整天心神不寧，甚至是難以入睡的情況更糟糕了。如果這對您來說很常見，別訝異，您不是少數面對這樣情況的人。許多人一天中大部分的時間都在考慮財務問題，研究更指出，在我們每週工作時的3-4個小時都會想到跟錢有關的事。

當財務問題開始影響您的心理與健康時，對有些人來說，簡單的方法就是選擇忽略它或假裝沒有發生。選擇逃避或是借錢還債無法解決任何問題，反而只會使事情變得更糟。如果財務對您而言是個問題，且讓您的生活變得困難，那麼選擇面對它才可以減輕負擔。

下面為四種建議方法幫助解決財務問題：

  • 找人聊聊
    • 獨自承受財務問題會加增您的壓力。可能的話，請與您的家人或朋友分享情況。如果您基於私人因素無法跟別人分享，那麼您可以尋求公司所提供的“員工援助計劃”（EAP）。 EAP中包含了財務諮詢專線，您可以匿名與諮商師交談。另外，您也可以藉由政府單位（如：衛生局社區心理衛生中心），或非營利組織（如：張老師）來獲得協助。藉由交談，可以幫助您更清楚地了解問題。您也可以試著找找提供免費財務建議的資源。
  • 清楚地了解您的情況
    • 如果您對於花費無法掌控且感到迷失，那就更難找到解決辦法了。儘管看清楚問題的嚴重度可能會讓人感到害怕，但其實只要簡單的預算，就可以清楚地標示出您大概花了多少錢，以及花費的地方。您可能可以立即找到要存起來或降低的花費類型。選擇正視情況，其實您會發現情況並沒有想像中的那麼糟糕。
  • 處理帳單，請記得一步一步來
    • 如果有很多未付款帳單壓得您喘不過氣，導致您不知該如何進行下一步，請深呼吸並暫停一下。一次處理一件事，並將您的帳單分類，您可以一次處理一個帳單，然後繼續處理下一個帳單，依此類推，直到您可以看清大局為止。您可以先將重點放在優先花費上，如：租金、食品和水電等。
  • 做一些簡單的改變
    • 儘管您對財務的擔憂可能很大，但您可以通過一些小而簡單的改變來緩解壓力。您可以改為在黃昏市場或線上購物來省下多餘的錢，並限制自己只購買必要的商品。您也可以在網路上出售商品來換取一些資金。

財務擔憂困擾著多數人，當中有一些的擔憂是很嚴重的。重要的是要確認您擁有的是什麼，並開始採取積極的措施來反轉局面。

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. Alternatively, you should be able to access assistance via government sponsored or not for profit organizations within your own communities. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Go to https://sorted.org.nz/ for help and support and wide range of helpful articles and tools

The content of this article does not constitute individual financial advice. Aon can’t provide personalised investment advice or make personalised recommendations – we therefore suggest that you speak to an authorised financial adviser if you want to understand any of these concepts in the context of your personal situation.

There is nothing worse than trying to get through the day or trying to get to sleep and feeling stressed about money matters. Surprisingly if this sounds familiar you are not alone. Many people spend a large part of the day thinking about financial matters, in fact studies show we spend 3-4 hours of our working week thinking about money.

When money matters begin to affect your mental health, the easy option is to try to ignore it or pretend it isn’t happening. Leaving your mail unopened or carrying on spending and/or borrowing won’t solve anything. They’ll just make things worse. If cash is a concern and is making your days difficult, impacting your relationships confronting the reality can help lift the burden.

Here are four ways that can address your money worries:

  • Talk to someone
    • Suffering alone adds to the pressure. Share the situation with friends or family if you can. If you feel your money matters are just too personal to share with people you know, at your place of employment you may have access to an Employee Assistance Program (EAP). An EAP will have a financial counselling line where you can speak to a counsellor anonymously. By just talking to someone they can help you see the problem with a clearer focus. Try and find free and impartial money advice near you
  • Get a clear view on your situation
    • If you’ve completely lost track of your spending, and you are feeling lost it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’; areas where you can instantly find places to save or cut back on. A proper perspective on the situation may leave you thinking the situation is not as bad as you thought it was.
  • Take it one step at a time
    • If there are so many outstanding bills and you feel overwhelmed by what to do next, take a deep breath and stop. Address one thing at a time, break your money matters into bite size pieces. You can address one bill at time, then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, food and utilities.
  • Make some simple changes
  • Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your phone company or changing to a discount supermarket or shopping online and limit yourself to buying the necessary. You might be able to raise some money by selling things on online or at garage sales. 

Money worries concerns all of us, some more than others. It’s important to acknowledge you have these and start taking small, positive steps to turn your situation around. 

Disclaimer: The information is brought to you by Aon Vietnam Limited with its Establishment and Operation License No. 26/GP-KDBH . Aon Vietnam Limited is a licensed insurance broker regulated by the Ministry of Finance in Vietnam. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information

Không có gì tệ hơn là cố gắng vượt qua cả ngày hoặc cố gắng ngủ và cảm thấy căng thẳng về vấn đề tiền bạc. Đáng ngạc nhiên nếu điều này nghe có vẻ quen thuộc bạn không cô đơn. Nhiều người dành phần lớn thời gian trong ngày để suy nghĩ về các vấn đề tài chính, trong thực tế các nghiên cứu cho thấy chúng ta dành 3-4 giờ trong tuần làm việc để nghĩ về tiền.

Khi vấn đề tiền bạc bắt đầu ảnh hưởng đến sức khỏe tinh thần của bạn, lựa chọn dễ dàng là cố gắng phớt lờ nó hoặc giả vờ rằng nó không xảy ra. Để thư của bạn chưa mở hoặc tiếp tục chi tiêu và / hoặc vay vốn sẽ giải quyết mọi thứ. Chúng chỉ làm cho mọi thứ tồi tệ hơn. Nếu tiền mặt là một mối quan tâm và làm cho một ngày của bạn trở nên khó khăn, tác động đến các mối quan hệ của bạn đối mặt với thực tế có thể giúp giảm gánh nặng.

Dưới đây là bốn cách có thể giải quyết nỗi lo tiền bạc của bạn:

  • Nói chuyện với ai đó

Đau khổ một mình làm tăng thêm áp lực. Chia sẻ tình hình với bạn bè hoặc gia đình nếu bạn có thể. Nếu bạn cảm thấy vấn đề tiền bạc của mình quá riêng tư để chia sẻ với những người bạn biết, tại nơi bạn làm việc, bạn có thể có quyền truy cập Chương trình Hỗ trợ Nhân viên (EAP). EAP sẽ có một đường dây tư vấn tài chính nơi bạn có thể nói chuyện với một cố vấn ẩn danh. Chỉ cần nói chuyện với ai đó, họ có thể giúp bạn nhìn nhận vấn đề với sự tập trung rõ ràng hơn. Hãy thử và tìm lời khuyên miễn phí và vô tư gần bạn.

  • Có một cái nhìn rõ ràng về tình hình của bạn
    • Nếu bạn đã hoàn toàn mất dấu vết chi tiêu của mình và bạn cảm thấy lạc lối, bạn càng khó tìm ra lối thoát. Mặc dù thật đáng sợ khi thấy mức độ thực sự của các vấn đề của bạn, một ngân sách đơn giản sẽ cho bạn thấy rõ số tiền bạn chi tiêu và ở đâu. Có thể có một số cách đơn giản, nhanh chóng; các khoản bạn có thể ngay lập tức xác định để dành hoặc cắt giảm. Một cách nhìn đúng đắn về tình huống có thể khiến bạn nghĩ rằng tình huống không tệ như bạn nghĩ.
  • Thực hiện từng bước một
    • Nếu có quá nhiều hóa đơn chưa thanh toán và bạn cảm thấy choáng ngợp trước những việc cần làm tiếp theo, hãy hít thở sâu và dừng lại. Giải quyết một điều tại một thời điểm, chia vấn đề tiền bạc của bạn thành những vấn đề nhỏ. Bạn có thể giải quyết một hóa đơn tại một thời điểm, sau đó chuyển sang kế tiếp, và cứ thế cho đến khi bạn cảm thấy có thể nhìn vào bức tranh lớn hơn. Tập trung đầu tiên vào các chi phí ưu tiên như tiền thuê nhà, thực phẩm và tiện ích.
  • Thực hiện một số thay đổi đơn giản
  • Mặc dù một số lo lắng về tiền bạc của bạn có thể lớn, bạn có thể giảm bớt áp lực bằng một số thay đổi nhỏ và đơn giản. Bạn có thể đổi công ty điện thoại hoặc đổi sang siêu thị giảm giá hoặc mua sắm trực tuyến và hạn chế mua những thứ cần thiết. Bạn có thể có thể kiếm thêm tiền bằng cách bán hàng trực tuyến hoặc bán ở các hội chợ giảm giá.

Hầu hết chúng ta đều lo lắng về tiền bạc, một số người bị nhiều hơn. Điều quan trọng là phải thừa nhận bạn có những lo lắng này và bắt đầu thực hiện những bước nhỏ, tích cực để xoay chuyển tình hình của bạn.

Tuyên bố miễn trừ trách nhiệm: Thông tin này được cung cấp bởi Công ty TNHH Aon Việt Nam với Giấy phép Thành lập và Hoạt động số 26/ GP-KDBH. Công ty TNHH Aon Việt Nam là công ty môi giới bảo hiểm được cấp giấy phép dưới sự quản lý của Bộ Tài chính tại Việt Nam. Các thông tin này không tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bất kỳ đối tượng cụ thể nào nhận được tài liệu này. Theo đó, bạn không nên dựa vào hoặc coi tài liệu này như một phương thức thay thế cho sự tư vấn riêng biệt liên quan đến các tình huống cụ thể. Vui lòng tìm kiếm sự tư vấn từ chuyên gia cố vấn tài chính về sự phù hợp của bất kỳ sản phẩm đầu tư nào có tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bạn trước khi bạn cam kết mua sản phẩm đầu tư. Bạn cũng nên có được sự tư vấn chuyên biệt khác khi cần thiết. Thông tin này được cung cấp dựa trên sự trung thực và được cho là chính xác vào thời điểm biên soạn. Chúng tôi không có nghĩa vụ phải cập nhật các tài liệu hoặc sửa chữa bất kỳ thông tin không chính xác nào là những thông tin được làm rõ sau này. Bạn luôn cần phải tham khảo các nguồn thông tin chính hoặc các thông tin chính xác hơn hoặc cập nhật hơn.

ไม่มีอะไรเลวร้ายไปกว่าการพยายามให้ผ่านพ้นวัน หรือพยายามจะนอนหลับแล้วรู้สึกเครียดกับเรื่องเงิน น่าแปลกที่หากเรื่องนี้ฟังดูคุ้นเคย คุณก็ไม่ใช่คนเดียวที่มีปัญหานี้ หลายคนใช้เวลาส่วนใหญ่ในแต่ละสัปดาห์คิดเรื่องการเงิน ความจริงแล้วมีการศึกษาวิจัยที่แสดงให้เห็นว่าเราใช้เวลาทำงานสัปดาห์ละ 3-4 ชั่วโมงเพื่อคิดเรื่องการเงิน

เมื่อเรื่องเงินเริ่มส่งผลกระทบต่อสุขภาพจิตของคุณ ตัวเลือกที่ง่ายคือการพยายามเพิกเฉยหรือแกล้งทำเป็นว่ามันไม่เคยเกิดขึ้น การไม่เปิดจดหมายของคุณ หรือการใช้จ่ายและ/หรือหยิบยืมไปเรื่อยๆ นั้นไม่สามารถแก้ไขอะไรได้ มีแต่จะทำให้แย่ลงไปกว่าเดิม หากเงินสดเป็นปัญหาและทำให้วันของคุณลำบาก ส่งผลกระทบต่อความสัมพันธ์ของคุณ การเผชิญหน้ากับความจริงจะช่วยแบ่งเบาภาระได้

ต่อไปนี้เป็นสี่วิธีที่สามารถจัดการกับความกังวลทางการเงินของคุณ

  • คุยกับใครสักคน
    • การทุกข์เพียงคนเดียวจะเพิ่มความกดดัน บอกเล่าเรื่องราวกับเพื่อนๆ หรือครอบครัวหากทำได้ หากคุณรู้สึกว่าเรื่องการเงินของคุณเป็นเรื่องส่วนตัวเกินกว่าที่จะบอกเล่าต่อคนที่คุณรู้จัก คุณอาจเข้าร่วมโครงการช่วยเหลือพนักงาน (EAP) ณ สถานที่ทำงานของคุณ EAP จะมีสายให้คำปรึกษาทางการเงินซึ่งคุณสามารถพูดคุยกับที่ปรึกษาได้โดยไม่ต้องเปิดเผยตัวตน หรือคุณสามารถเข้าถึงความช่วยเหลือผ่านองค์กรที่ได้รับการสนับสนุนจากรัฐบาลหรือองค์กรที่ไม่แสวงหาผลกำไรภายในชุมชนของคุณได้ เพียงแค่พูดคุยกับใครสักคนก็สามารถช่วยให้คุณเห็นปัญหาอย่างชัดเจนยิ่งขึ้น ลองหาคำแนะนำทางการเงินที่เป็นกลางและไม่มีค่าใช้จ่ายใกล้ตัวคุณ
  • เข้าใจมุมมองที่ชัดเจนเกี่ยวกับสถานการณ์ของคุณ
    • หากคุณคลาดการติดตามการใช้จ่ายของคุณไปโดยสิ้นเชิงและกำลังรู้สึกหลงทาง ก็ยิ่งยากที่จะหาทางออก แม้อาจดูน่ากลัวที่ได้เห็นขอบเขตที่แท้จริงของปัญหาของคุณ แต่การตั้งงบประมาณง่ายๆ จะแสดงให้เห็นว่าคุณใช้จ่ายกับอะไรไปเท่าไร อาจมีจุด 'ลดด่วน' แบบง่ายๆ เป็นส่วนที่คุณสามารถค้นหาค่าใช้จ่ายที่จะลดหรือตัดออกได้ทันที การมองสถานการณ์จากมุมที่เหมาะสมอาจทำให้คุณคิดได้ว่าสถานการณ์ไม่ได้เลวร้ายอย่างที่คุณคิด
  • ทำทีละขั้นตอน
    • หากมีใบแจ้งยอดค้างชำระจำนวนมากและคุณไม่รู้ว่าจะทำอะไรต่อไปดี ให้หายใจเข้าลึกๆ แล้วหยุดพัก จัดการทีละปัญหา แบ่งเงินของคุณออกเป็นส่วนเล็กๆ พอดีมือ คุณสามารถจัดการยอดชำระทีละหนึ่งรายการ จากนั้นไปต่อที่รายการถัดไปและต่อไปเรื่อยๆ จนกว่าคุณจะเห็นภาพที่ใหญ่ขึ้นได้ เน้นค่าใช้จ่ายที่สำคัญก่อนเป็นอันดับแรก เช่น ค่าเช่า ค่าอาหาร และค่าสาธารณูปโภค
  • สร้างความเปลี่ยนแปลงง่ายๆ
  • แม้ว่าความกังวลทางการเงินของคุณบางอย่างอาจยิ่งใหญ่ แต่คุณบรรเทาความกดดันลงได้ด้วยการเปลี่ยนแปลงบางประการที่เล็กน้อยและเรียบง่าย คุณสามารถลดค่าใช้จ่ายได้อีกโดยการเปลี่ยนบริษัทเครือข่ายโทรศัพท์ หรือเปลี่ยนไปซื้อของจากซูเปอร์มาร์เก็ตที่ลดราคา หรือซื้อของออนไลน์และจำกัดให้ตัวเองซื้อของที่จำเป็นเท่านั้น คุณอาจหาเงินเพิ่มเติมด้วยการขายของออนไลน์หรือเปิดท้ายขายของ 

ความกังวลทางการเงินเป็นเรื่องของเราทุกคน ซึ่งบางคนอาจมีมากกว่าคนอื่น เป็นเรื่องสำคัญที่จะต้องยอมรับว่าคุณมีสิ่งเหล่านี้ และเริ่มทำตามขั้นตอนเล็กๆ ในเชิงบวกเพื่อเปลี่ยนสถานการณ์ของคุณ

Det finns inget värre än att försöka ta sig genom dagen eller försöka somna och känna stress på grund av pengafrågor. Känns det bekant? Du är inte ensam. Många ägnar en stor del av veckan åt att tänka på ekonomiska frågor. Studier har visat att vi ägnar 3–4 timmar av arbetsveckan åt att tänka på pengar.

När pengafrågor börjar påverka din mentala hälsa är den enkla utvägen att försöka ignorera det eller låtsas som ingenting. Det löser dock inga problem att låta bli att öppna inkorgen eller fortsätta spendera och/eller låna. Det gör bara situationen värre. Om kontanter är ett problem och det gör livet svårt och påverkar dina relationer kan du lindra bördan genom att konfrontera verkligheten.

Här är fyra sätt att hantera pengabekymmer:

  • Tala med någon
    • Lidande i ensamhet ökar pressen. Berätta om situationen för vänner eller familj om du kan. Om du känner att problem med pengar är för personligt även att dela med personer du känner kanske din arbetsgivare kan erbjuda personalstöd. Ett personalstödsprogram kan innefatta telefonlinjer för ekonomisk rådgivning där du kan tala anonymt med en rådgivare. Du bör också kunna få hjälp via offentligt finansierade eller icke-vinstdrivande organisationer i närområdet. Bara genom ett enkelt samtal kan de få dig att se problemet i rätt ljus. Försök hitta kostnadsfri och opartisk ekonomisk rådgivning i din närhet
  • Få en tydlig överblick över situationen
    • Om du helt har tappat kontrollen över dina utgifter och känner dig vilsen är det ännu svårare att finna en utväg. Även om det kan vara skrämmande att se den verkliga omfattningen av dina problem kan en enkel budget tydligt visa hur mycket du spenderar och var. Det kan finnas några ”snabbfixar” – områden där du omedelbart kan hitta sätta att spara eller skära ned. Rätt perspektiv på situationen kan få dig att inse att läget inte var så dåligt som du trodde.
  • Ta ett steg i taget
    • Om det finns massor av obetalda räkningar och du känner dig överväldigad av tanken på nästa steg – ta ett djupt andetag och stanna upp. Ta itu med en sak i taget och dela upp din ekonomiska situation i hanterbara delar. Du kan hantera en faktura i taget, sedan nästa och så vidare tills du känner dig redo att titta på helhetsbilden. Fokusera först på prioriterade utgifter som hyra, mat, el- och vattenräkningar.
  • Gör några enkla förändringar
  • Även om en del av dina pengaproblem kan vara stora kan du lätta på trycket genom några små och enkla förändringar. Du kan frigöra extra kontanter genom att byta telefonbolag, byta till en billigare mataffär eller shoppa online och begränsa dig till det allra nödvändigaste. Du kan eventuellt få ihop en del pengar genom att sälja saker på internet eller ha en loppmarknad. 

Pengaproblem berör oss alla – en del mer än andra. Det är viktigt att erkänna att du har problem och börja ta små, positiva steg för att förändra situationen. 

Tidak ada yang lebih buruk daripada mencoba menjalani hari atau mencoba tidur dan merasa stres tentang masalah uang. Anehnya, jika ini terdengar akrab, Anda tidak sendirian. Banyak orang menghabiskan sebagian besar waktu dalam seminggu berpikir tentang masalah keuangan, pada kenyataannya studi menunjukkan kita menghabiskan 3-4 jam dari minggu kerja kita memikirkan uang.

Ketika masalah uang mulai memengaruhi kesehatan mental Anda, pilihan yang mudah adalah mencoba untuk mengabaikannya atau berpura-pura itu tidak terjadi. Membiarkan email Anda tidak dibuka atau terus melakukan pengeluaran dan/atau meminjam tidak akan menyelesaikan apa pun. Itu hanya akan memperburuk keadaan. Jika uang tunai menjadi masalah dan membuat hari-hari Anda sulit dan memengaruhi hubungan Anda, menghadapi kenyataan dapat membantu mengangkat beban.

Berikut adalah empat cara yang dapat mengatasi kekhawatiran Anda:

  • Bicaralah dengan seseorang
    • Menderita seorang diri hanya menambah tekanan. Ceritakan situasinya dengan teman atau keluarga jika memungkinkan. Anda mungkin dapat mengakses bantuan melalui organisasi yang disponsori pemerintah atau organisasi nirlaba dalam komunitas Anda sendiri. Saat Anda mendiskusikan masalah dengan seseorang, mereka dapat membantu Anda melihat masalah dengan fokus yang lebih jelas. Cobalah dan temukan saran gratis seputar uang dari orang yang tidak memihak di dekat Anda
  • Dapatkan pandangan yang jelas tentang situasi Anda
    • Jika Anda benar-benar tidak dapat melacak pengeluaran Anda, dan Anda merasa seakan tersesat, akan semakin sulit untuk menemukan jalan keluar. Meskipun mungkin menakutkan untuk melihat sejauh mana masalah Anda sebenarnya, anggaran sederhana akan menunjukkan dengan jelas berapa banyak yang Anda belanjakan dan di mana. Mungkin ada “kemenangan cepat” sederhana; area tempat Anda dapat secara instan menemukan tempat untuk menyimpan atau mengurangi. Perspektif yang tepat mengenai situasi ini mungkin membuat Anda bisa melihat bahwa situasinya tidak seburuk yang Anda kira.
  • Lakukan selangkah demi selangkah
    • Jika ada begitu banyak tagihan luar biasa dan Anda merasa kewalahan dengan apa yang harus dilakukan selanjutnya, ambil napas dalam-dalam dan berhentilah. Tangani satu per satu, pecahkan masalah keuangan Anda menjadi bagian-bagian yang lebih kecil. Anda dapat menangani satu tagihan pada satu waktu, kemudian beralih ke tagihan berikutnya, dan seterusnya sampai Anda merasa dapat melihat gambaran yang lebih besar. Fokuskan pengeluaran prioritas seperti bayar sewa rumah, makanan, dan utilitas terlebih dahulu.
  • Lakukan beberapa perubahan sederhana
  • Meskipun sebagian dari kekhawatiran uang Anda mungkin besar, Anda bisa mengurangi tekanan dengan melakukan beberapa perubahan kecil dan sederhana. Anda dapat mendapatkan tambahan uang tunai dengan mengganti perusahaan telepon Anda atau mengganti tempat belanja ke supermarket diskon atau berbelanja online dan membatasi diri Anda untuk membeli apa yang diperlukan saja. Anda mungkin dapat mengumpulkan uang dengan menjual barang secara online atau di bazaar. 

Kekhawatiran soal uang adalah masalah kita semua, beberapa lebih genting dari yang lain. Penting untuk mengakui Anda memiliki masalah tersebut dan mulai mengambil langkah-langkah kecil dan positif untuk membalikkan situasi Anda. 

Penulis bukan konsultan keuangan, konsultan pajak, atau konsultan hukum. Artikel dan isinya hanya untuk tujuan informasi, pembaca tidak disarankan untuk menafsirkan informasi atau material lain apa pun sebagai saran hukum, perpajakan, investasi, finansial, atau saran lain. Semua informasi, data, strategi, laporan, artikel, dan semua fitur lain dari artikel ini disediakan untuk tujuan informasi dan edukasi semata dan tidak seharusnya dianggap atau ditafsirkan sebagai saran investasi personal untuk pembaca. Mungkin ada kesalahan pada artikel ini, dan pembaca sebaiknya tidak mengambil keputusan finansial atau investasi berdasarkan apa yang mereka baca dalam artikel dan tulisan ini saja. Merupakan tanggung jawab pembaca untuk melakukan uji tuntas mandiri dan pembaca harus mengambil keputusan sendiri. Pahamilah dan berhati-hatilah karena keputusan keuangan dan investasi mengandung risiko. Penulis tidak bertanggung jawab atas kerugian langsung maupun yang timbul akibat penggunaan tulisan, produk, layanan, situs, atau konten lain yang ditulis oleh penulis, termasuk konten artikel ini. Pembaca bertanggung jawab atas penelitian dan keputusan investasinya sendiri. Pembaca sebaiknya meminta saran penasihat keuangan yang berkualifikasi dan sepenuhnya memahami semua risiko sebelum berinvestasi atau mengambil keputusan finansial apa pun. Penulis tidak menjamin bahwa pembaca akan atau memperoleh hasil sebagaimana yang dikutip dalam artikel ini. Semua hasil rekomendasi penulis tidak didasarkan pada investasi aktual yang dilakukan sendiri oleh penulis dan didasarkan pada hipotesis, statistik, serta survei yang ada, yang memiliki batasan dan tidak mencerminkan semua komponen investasi sesungguhnya. Hasil nyata yang diterima pembaca mungkin berbeda-beda disebabkan berbagai faktor. Semua konten dan referensi sumber pihak ketiga disediakan semata-mata untuk kemudahan. Informasi ini mungkin tidak akurat, gunakan dengan penuh tanggung jawab. Dengan membaca artikel ini atau isinya, Anda setuju bahwa baik penulis maupun karyawannya, pemegang saham, direktur, kontraktor, afiliasi, agen, penyedia konten pihak ketiga, atau pemberi lisensi tidak akan bertanggung jawab atas segala bentuk klaim, tanggung jawab, biaya, kerusakan, atau kerugian, langsung, tidak langsung, maupun insidental akibat penggunaan bagian konten ini oleh pembaca. Termasuk, namun tidak terbatas pada, kerugian atau cedera yang semuanya atau sebagian disebabkan oleh kemungkinan di luar kendali kami.

Não existe nada pior do que tentar enfrentar o dia ou tentar adormecer e sentir-se stressado com preocupações financeiras. Curiosamente, se isto lhe parece familiar, não está sozinho. Muitas pessoas passam grande parte da semana a pensar em questões financeiras. Na verdade, os estudos revelam que passamos 3 a 4 horas da nossa semana de trabalho a pensar em questões relacionadas com dinheiro.

Quando as questões relacionadas com dinheiro começam a afetar a sua saúde mental, a opção mais simples é tentar ignorar a situação ou fingir que não está a acontecer. Não abrir o correio ou continuar a gastar e/ou contrair empréstimos não resolve nada. Apenas serve para piorar a situação. Se o dinheiro é uma preocupação e está a dificultar os seus dias e a ter impacto nas suas relações, enfrentar a realidade pode ajudar a aliviar o fardo.

Eis quatro formas de enfrentar as suas preocupações financeiras:

  • Falar com alguém
    • Sofrer sozinho aumenta a pressão. Se possível, partilhe a situação com familiares e amigos. Se sentir que os seus problemas financeiros são demasiado pessoais para os partilhar com as pessoas que conhece, verifique se no seu local de trabalho tem acesso a um programa de assistência a funcionários (EAP - Employee Assistance Program). Um EAP terá uma linha de aconselhamento financeiro na qual pode falar de forma anónima com um consultor. Em alternativa, deverá ter acesso a assistência através de organizações apoiadas pelo Governo ou organizações sem fins lucrativos na sua comunidade. O simples facto de falar com alguém pode ajudá-lo a ver o problema com mais clareza. Tente obter aconselhamento financeiro gratuito e imparcial perto de si
  • Obter uma imagem clara da sua situação
    • Se perdeu completamente a noção das suas despesas e se sente perdido é mais difícil ainda encontrar uma saída. Embora possa ser assustador ver a verdadeira extensão dos seus problemas, um orçamento simples mostra-lhe claramente quanto gasta e em quê. Podem existir algumas "vitórias rápidas" simples, áreas nas quais encontra imediatamente opções para cortar e poupar. Uma perspetiva adequada da situação pode permitir-lhe pensar que a situação não é tão má como pensava.
  • Dar um passo de cada vez
    • Se tem muitas contas pendentes e se sente assoberbado em relação ao que deve fazer a seguir, pare e respire fundo. Enfrente uma questão de cada vez e divida os seus problemas financeiros por partes. Pode resolver uma conta de cada vez e, em seguida, avançar para a seguinte e assim sucessivamente até conseguir ver o quadro completo. Concentre primeiro as suas atenções nas despesas prioritárias, tais como a renda, a alimentação e os serviços públicos.
  • Fazer algumas alterações simples
  • Embora algumas das suas preocupações financeiras possam ser grandes, poderá aliviar a pressão com algumas alterações pequenas e simples. Pode conseguir poupar algum dinheiro mudando de empresa de telecomunicações ou fazendo as compras num supermercado económico ou online e limitando-se a comprar o essencial. Poderá conseguir algum dinheiro vendendo coisas online ou em vendas de produtos usados. 

Todos temos preocupações financeiras, alguns mais do que outros. É importante reconhecer que as tem e começar a dar passos pequenos e positivos para inverter a situação.

O conteúdo deste artigo não constitui um aconselhamento financeiro individual.