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The pressure we put on ourselves to make enough money and save enough money can help us achieve our goals-but it can also seriously affect our mental health.
If adhering to every rule makes us feel anxious, then excessive use of our emotional resources may damage the enjoyment of the fruits of our labor.
This is why we believe that sometimes you should violate the rules and not shirk responsibility. Here are some financial rules that may undermine your mental health:
Rule that can be broken 1.You should live with your roommate while paying off the debt
There is no doubt that rent is a consumer of salary. This is usually the largest part of your monthly budget, so living with a roommate can help reduce costs.
But living with the wrong roommate will drive you crazy. Arguing over labeled food, guests’ welcome time is too long, and the room emits a strange smell, which makes you wonder if it’s worth saving money.
However, it Yes You can spend a little more money to live independently, saving your sanity and still Pay your debts. You just need to stop making payments to your credit card company.
A website called slim Shady Can help you do it. If you owe your credit card company $50,000 or less, AmOne will match you with a low-interest loan, which you can use to repay every balance you have.
benefit? You will need to pay a bill every month. And because personal loans have lower interest rates (AmOne interest rates start at 3.49% annual interest rate), you will get out of debt faster. Much faster than the 36% interest rate charged by some credit card companies.
You don’t need a perfect credit score to get a loan-comparing your choices will not affect your score at all. In addition, AmOne will ensure the confidentiality and security of your information, which may be why it still gets an A+ rating from the Better Business Bureau after 20 years of operation.
It takes less than a minute and only 10 questions to complete See what loans you are eligible for — You don’t even need to enter your social security number. You do need to give AmOne a real phone number to qualify, but don’t worry-they will not send you spam over the phone.
Breakable Rule No. 2. Cut costs by canceling Netflix, Hulu and Spotify accounts
How much do you spend on all subscriptions each month?
Just kidding, don’t answer this question. The real question is: How much happiness does your subscription bring you?
The answer is likely to be many. Baking shows let us relax, “Tiger King” brings people together in a dark year, and watching a good comedy at the end of the day can free us from the problem within an hour and a half.
Therefore, when Netflix asks you if you are still watching, before you say “no,” please find somewhere else to save money, so as not to take away your strange and peaceful murder show.
One expense that will never hurt your heart is your car insurance. When was the last time you checked the price?
You should buy your selection every six months or so-it can save you some big money.
A website called Insurance Net Make it very easy to compare car insurance prices. All you have to do is enter your zip code and your age, and it will display your options.
Using Insure.com, people can save an average of $489 a year.
Yes it is.In just a few minutes, you may have nearly $500 in your pocket See your options.
Can break rule 3.Make all food from scratch to save money
Baking a beautiful cake for your friend’s birthday or mashing your own baby food will make you feel like you are saving money-sometimes it does.
But the time needed to chop up all the vegetables to make the meat sauce wastes the time you can spend with your partner or read a good book. Are the few dollars saved really worth it?
If half an hour a day is worth it for you, go for pre-chopped onions and canned carrot puree. you deserved! And you should also make some money back.
A free app called Receive award Simply purchase ketchup and more than 250 other items at the grocery store to receive gift card rewards.
It works as follows: After downloading the app, just take a photo of the receipt showing that you purchased an item from one of the brands listed in Fetch. For your efforts, you will get gift cards from places like Amazon or Walmart.
you could Download the free Fetch Rewards app here Start getting free gift cards. There are already more than one million people owning it, so they must make a difference…
Breakable Rule No. 4. DIY everything at home
Expensive household services you can do yourself: lawn care, house cleaning, laundry, dog bath.
Expensive household services, if you spend money to ask someone to do it for you, you can get back to life: lawn care, house cleaning, laundry, dog bath.
time is money. The time saved by letting professionals handle your least favorite housework is the time you earn back for yourself.
You can spend a whole Saturday scrubbing the floor and dusting the fan blades-or you can have a picnic in the park with friends. Or take a nap. Your time is back, you use it to do what you want to do.
So don’t feel guilty for spending a little money every month to ask someone to wash the car. Budget and enjoy your well-deserved vacation.
Breakable Rule No. 5. Never splurge on non-essential items
We know, we know, that the best things in life are free. But have you ever thought of rewarding yourself with a pair of strappy stilettos after reaching the goals you set for yourself? (Author’s note: Yes. Yes, I had this dream very clearly.)
But when a pair of shoes you wear once a year costs as much as a month’s food, it may be easier to bury this dream in the dark depths of your empty shoe cabinet.
However, there is a way to achieve it. The same way you save for holidays or houses-set up a savings account and keep this goal in mind. Count your monthly deposit into your budget in any way you save your goals. 10 dollars here, 20 dollars there-eventually it will add up.
If you are looking for a place where you can safely hide the money for this pair of shoes-but still make money from it-put it in one desire account. It allows you to earn up to 16 times the average interest on the funds in your account (now the average 0.06% in other accounts is nothing).
In addition, if you use a debit card, you can earn up to 5% cash back on purchase.
Those red-soled shoes are closer than you think!
Enter your email address here Get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured, they use military-grade encryption, which is a nerd talk of “it’s completely safe”.
Can break rule 6. Sell all unwanted household items, clothes and toys
You may have gained a lot in your time on earth. Maybe your spring cleaning is a bit out of control and you have a bunch of things you no longer need.
When you realize that you need to sell everything in a certain way to make money, the relief you feel in purification is quickly destroyed. Where do you start? Poshmark, Facebook Marketplace, LetGo, Craigstlist, garage auction…Uh!
Unless something is really worth it, you won’t need Sell everything. You may experience pressure when trying to list everything, arrange meetings, and negotiate prices, which may not be what you need right now.
So give up. Send them all to the donation center (don’t forget the tax credits!), list interesting items in your local Buy Nothing Facebook group, and even host a free yard sale!
If financial rules affect your mental health, sometimes you need to break them. Now, this doesn’t mean making the wrong decision in the name of a good time-think it’s our permission to get rid of all the strict must-dos and find a healthier solution for you and your wallet method.
Kari Faber is a full-time writer for The Penny Hoarder. She believes in mental health >>>>
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