Some would argue that to be happy, you need to be in control of you life. And, nothing makes you feel more out of control than being underwater with your finances.
Debt, shopping cravings you can’t control, loans that wind up costing more than you thought, and being unable to pay your bills at the end of the month – all of these events (and more) make us feel like life is spiraling out of control.
The best way to regain control of your finances is to build a budget. Put yourself on a money diet – which means you have to make some relatively unpleasant choices so that your spending is much more in line with your income.
And while it’s much more fun to just whip out your credit card, debit card, or phone and pay for the next meal or round of drinks, there’s a very real cost associated with that behavior – kind of like a hangover, it’s no fun to face a budget that’s way out of control the next morning.
So here’s what most people do when facing their own personal financial crisis – they bury their head in the sand and pretend like it isn’t going on. And, then they get stuck.
You don’t have to be stuck. You don’t have to feel as though the debt that’s weighing you down is going to be there forever. Because it doesn’t have to be.
You can get your budget back under control by making a few tiny (though tough) choices and sticking with it. It’s like a money diet.
The diet metaphor works because what you’re doing is putting yourself on a spending diet. You’re only going to spend the minimum you can in order to nurse yourself back to full financial health. We know you can do it: You can build a budget and get your finances back under control.
Best Money Moves can help. We have terrific, easy-to-use and understand tools and information that will guide you through each move, along with our Stressometer(R), which can help you figure out what’s causing the most financial stress right now. And if all seems overwhelming, you can call one of our nonprofit Money Coaches for personal, one-on-one guidance.
Imagine that. Help from someone real, who will pick up the phone when you call, and guide you through the toughest period of your financial life. And, it’s all part of the Best Money Moves program.
If your colleagues are in financial trouble, show this to your employer. Ask them to add Best Money Moves to the company’s financial wellness offerings. Our program is affordable, comprehensive and features award-winning information from some of the most distinguished financial writers and authors.
Best Money Moves. We can help! Contact us today for a quote.