13 Ways To Stop Worrying About Your Financial Situation

Do you spend a lot of time worrying about your financial situation? You’re not alone.

You probably already know that – you probably have a few people who you talk with about money, and each of you probably have your own things to worry about. Money is a tool that can help us to live a nicer, more comfortable life, but it also has a lot of power. Money can be a huge motivator. It can lift you up, drag you down, and everything in between.

Here, we’re going to discuss how you can stop worrying about your financial situation once and for all. 

Completely Turn Around Your Money Mindset

Start by changing the way you look at money. For this, you first need to accurately identify how you see it in the first place. Write down all of the thoughts and feelings that come to mind when you think of money.

Do you believe money is the root of all evil? Do you believe it’s not that important? Both of those beliefs can actually stop you from having more money. 


While you should not view money as the be all and end all, you need to be grateful for it and appreciate it if you’re going to have enough of it. However, ‘enough’ is a tricky word. Because the fact is, no matter how much you earn, if you don’t bother changing your mindset properly you will NEVER feel like you have enough. This is how so many people end up getting greedy and corrupt. 


Watch YouTube videos. Read books. Follow helpful pages on social media. Make sure you’re consuming helpful content that can slowly but surely allow you to change your money mindset. Techniques like EFT can also be very helpful!

Come Up With A Plan To Pay Off Your Debts

If you’re in debt, one of your first and most important concerns should be paying it off. This is because the longer you have to pay interest, the more money you’re wasting that could be put to better use.

You could consolidate your debts to pay them off easier. However, if you have a lot to pay and you’re not sure where to begin, visiting a financial adviser might be your best bet. 

Begin Living Beneath Your Means

Living beneath your means is crucial if you want to feel confident in your money situation. Think minimalist. You don’t have to have the most expensive car, or house. You definitely don’t need to buy new clothes every week, or even every month.

Come up with a budget so you know how much you’re earning and how much you can allocate to things like bills, food, and little luxuries. Find ways you can cut back and always leave some money in reserve. 

Find Smart Ways Of Saving More Money 

There are all kinds of smart ways you can save more money. Using cashback sites whenever you spend, and taking advantage of rewards can help. Using discount codes whenever you shop can also be a good idea.

Just make sure you can be safe online – only buy from reputable websites so you don’t have to worry about fraudsters getting a hold of your details or money. 


Automatically Save Money 

It can be hard for some people to dedicate money to savings, so you want to make it so you can automatically save money. Set up a direct debit and you won’t even have to think about the money that is going to leave your account.

Ideally, you’ll have both an emergency fund and cash cushion. Both of these things will give you peace of mind and ensure you have cash when you really need it. It can also be a good idea to start a luxury fund, so that if you do really want to treat yourself to something you have a little pot that you can take the money from without feeling guilty.

Plus, it’ll make you think harder about luxury purchases. Impulse spending often leaves us with items that we don’t really use. 

See If You Can Get A Raise 

If you have a boss and you’re not your own, see if you can get a raise. You may need to set up a meeting with them and tell them why you believe you deserve one. You might not get one right away, either.

You might need to be prepared for them to give you a few things to work on before having another meeting in a few weeks or months time. However, if you don’t ask, you won’t get. 

Start Your Own Side Hustle

Both passive and active income can be a way for you to make more money. Passive requires a little work, but you can continue making money for things like videos, affiliate links, and ebooks in the long run.

Passive is where you work to make money swapping your time like you do in a regular job, but when you do it for yourself rather than for somebody else you do tend to earn more. Explore your options and think of something that you’d like to do. 

Continuously Educate Yourself

Make sure you’re always looking at new videos and books. Never stop educating yourself and working on that mindset. 

Spend More Time With Wealthy People

We become like the people we spend the most time with. By spending more time with wealthy people, you have a far greater chance of improving your financial situation and actually becoming wealthy yourself. 


Make Smart Investments To Build Wealth Over Time

If you’re not sure how to do this, start by using an app. Investments will help you to build wealth in the future, rather than just increase your income now. 

Give Yourself Breathing Room Before You Spend Money

Before making a purchase, really think about it first. Give yourself a minimum of a couple of weeks before you part with cash. Again, this is a method to combat impulse spending. 

Come Up With Solid Goals That Motivate You

What goals truly motivate you? Any financial goals that you set should appeal to you emotionally. Why do you want to improve this situation, truly? Write it down and keep it somewhere you can look at it every day. 

Work On Ways To Self Soothe

You can make as many changes to your lifestyle and financial situation as you like, but a lot of people still tend to worry. Many people don’t realise that they worry not because there’s something to worry about, but because they secretly enjoy it.

Hear us out! You’re probably thinking, ‘who in their right mind loves worrying?’ – but it’s all subconscious. Worry and fear are ego based emotions, and the ego drives a lot of the things we do and feel.

Next time you feel worries about money begin to crop up, check yourself. Do you actually have anything to worry about in this moment, or is your ego simply trying to sabotage you? Reading up on the ego and why we worry might just help you to realise where your worries come from.

This isn’t to say you should never worry, or you don’t have reason to worry, but you are wasting time if you’re worrying about things you can’t do anything about. You’ll make smarter decisions and have a clearer mind when you minimise the amount of worrying that you do. 


All of this might sound easier said than done, so start slowly. Eventually, your situation will be much better, along with your attitude!

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