Guest Post with Angela Part 2

I have a different Angela this week. This one discusses money worries, something that all families face at some point. Thanks, Angela!
Are money worries making you sick?
Anxiety about money worries can literally make us sick. If you’ve ever been in this position, or are currently experiencing this, you will know how this anxiety can affect every single area of your life. The stress escalates daily and if it’s not addressed, depression can even be a result. We need to earn more money NOW to pay the bills, pay towards mounting debts, buy food for the family and take care of things in general. When there isn’t enough we can feel like we are drowning – and it can be one of the most distressing times of your life.
Being in this situation we may turn to quick fixes and things that are usually too good to be true. Have you ever seen the adverts with statements like: “Make $1,000 by next week, join me now!” or “Sign up here to attend the free webinar and learn how to make $30,000 a month while you sleep!”. Or what about, “This blogger makes $85,000 per month and so can you!”.

Really?

I don’t think so.

At least not without A LOT of hard work, dedication, late nights, early mornings, learning and laser-focus.


Quick fixes and schemes that sound too good to be true, are usually just that: schemes. And I’ve learned the hard way that 99.9% of the time, anything that sounds too good to be true, is. This doesn’t only refer to earning money, but everything in life, including relationships.

I hope I’m not sounding bitter or like I’m a complete pessimist! It’s not the intention of this post. The intention is rather to provide some help and a little light at the end of the tunnel… Things will get better with perseverance. We all go through rough patches and we get through with support.

Living with anxiety day in and day out can be a really uncomfortable feeling – it’s wise to learn how to deal with and manage it. Here are some tips that have worked for me. I truly hope you will find some that you feel able to do and that will help you to manage anxiety before it takes over more areas of your life.
Face your fears head on
It’s not easy to manage anxiety when you can’t see how you’re going to pay your mortgage this month. It’s REAL. But working out exactly what needs to be paid, exactly what is coming in and getting a clear picture of exactly how much you are short can mean that you know exactly how much extra you need. It also means that any part-time job or other work you take on doesn’t have to feel as though you’re just working and never seeing any difference to your bottom line.

Create a realistic budget and stick to it

Once you’ve faced your fears and have worked out exactly what has to go out vs what is coming in, (and you know where you stand), you can set a budget and stick to it. I have a detailed post on my site about how to set a realistic budget that you can actually stick to, please feel free to check it out.

Financial Footsteps

Just cut back where you can

Every little bit really does help. All those sayings exist for a good reason.

Walk

This could seem so simplified when you don’t know how you’re going to get through the month, but putting on some trainers and going for a walk can be really good for you. Push your child in the pram, the fresh air will be excellent for both of you and getting your body moving increases blood circulation and increases endorphins (the feel-good hormones). As anxiety can often make chronic pain worse for sufferers, getting your body moving (if your doctor confirms that is okay), can make a difference to your daily life. I’m a chronic pain sufferer and walking always does make me feel a bit better when things are tough. You just have to push yourself out the door. Getting some quiet time for yourself and calming the mind while walking can be invaluable.

There are legitimate options to increase your income

From freelancing online to getting a part-time gig at a nearby store, there are simple ways to add to your bottom line if you’re unable to get a full-time job or if you already have a full-time job but it’s not allowing you to make ends meet. It could mean hard work and long hours but your situation can only improve.

Try not to use bad habits as coping mechanisms

It’s easy to turn to our bad habits and vices when we are stressed and experiencing increased anxiety, but none of these bad habits are going to make you feel better about yourself – and they are definitely not going to help in the long run (besides the cost of some of them!). Try as hard as you can to switch one bad habit for one good habit. For example, if you’re a smoker, you might smoke more when anxiety takes over. Stopping this crutch during a time of increased anxiety could be an unwise move, so instead, you could switch to an e-cigarette or vape stick for 50% of the time, thereby cutting back on the harmful effects of smoking, especially when experiencing maximum levels of anxiety.

Get help

If you have tried helpful tips and can honestly say that you’ve tried everything, or even if you haven’t tried everything but you feel like you’re just not coping, don’t be embarrassed or scared to get help. There are a number of debt charities that have been set up for people experiencing overwhelming debt issues. They are there to point you in the direction for getting help with your debt. I was grateful to have found a debt counsellor when I was in mounting debt and they worked with me and my creditors to agree to new payment terms. This way my creditors would still get what was owed to them, but just over a longer period of time. It took the pressure off me and the anxiety relief was immense.

Anxiety over money problems can very often lead to feelings of depression too. Please remember if you feel like your anxiety around money worries is out-of-control or heading that way, and you think you may be depressed, go see your doctor – it’s important!

I hope this post has been of some help. If you have any questions, I’d be happy to try and help where possible to point you in the direction of people and organizations that can help. Please reach out on my contact page

Financial Footsteps

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11 thoughts on “Guest Post with Angela Part 2

  1. Toni says:

    This is great information. Last year was one of the hardest years for me financially. My income was cut in half and my bills remained the same. I gained quite a bit of weight from stress and not taking care of myself. In retrospect, I wish I would have asked for help sooner. Or started a part time job or freelance sooner.

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