Do you feel that you often go through a struggle with money? Well, most people do.

But least did they know that it has less to do with the numbers (how much they have) and more to do with their emotions.

If you wish to make positive financial changes in your life, you need to look within you and learn why you have such a relationship with money.

Everybody needs it for their survival and when one doesn’t posses enough of it, they are more likely to undergo stress.

Therefore, it is important that you change your attitude towards money and have positive vibe around it. If you didn’t know how to do that and that’s what you are looking for, you are in the right place.

Forgive yourself for the past financial mistakes

Whatever is the mistake, you must move on rather than blaming yourself. You should always learn from your mistake and forgive yourself.

It could be that you paid so much for rent, or you swiped your card on clothing and maxed up your credit cards.

You could try to look at the good things happened by spending all those money, there should be good memories associated with it.

Build a habit of spending wisely

It is so easy to sign-up for an online course, invest in tools you aren’t sure is worth it. But you must think and do not make purchases spontaneously.

Give yourself time to think if you really need it or is it worth investing in.

Many tools now come with free version and trial packages; it is good to opt for it.

For instance, if you are a B2B marketer, and wish to build the list of C-level executives and you don’t know how to find a ceo email address, you will find many email lookup tools such as GetEmail.io, Hunter.io, etc. You can start with the free version and then decide based on the result you got.

Beware of your emotions around money

Here is a simple exercise you can do to identify your emotions. For an entire day, make note of your feelings each time you spend money or make a financial decision.

This exercise will give you insights to understand how your spending habits are impacting you emotionally, and mentally.

Do not compare yourself with others

Even in finances, comparing yourself with others. And it doesn’t make sense when you are comparing with people you don’t even.

With so much of things shared on social media, people believe that all that posted on their profile is how their real life would be.

Don’t compare your financial situation with anyone – not even your family & friends.

Be thankful about what you have

You may be doomed in debts but look for minute things to be grateful for. You can be thankful for your family supporting you, for your job, for good health, etc.

Money will keep flowing in and out of your life, however, your happiness and peace of mind shouldn’t be based on your financial strength.

Simple Financial Changes that Can Really Add Up

One of the most popular new year’s resolutions that people choose when they’re making positive changes to their lives, is to save more money. While it’s nice to eat healthier and do more exercise, you’ll find that accomplishing most goals becomes a lot easier when you don’t have money worries to address at the same time.

1. Forget about the Gym

Aside from saving money, one of the other more common New Year’s resolutions that people make revolves around going to the gym more often. However, your goal shouldn’t just be to spend time at the gym. Instead, you should be focusing on getting fit. Fortunately, you don’t necessarily need an expensive gym membership to do that.

There are plenty of opportunities to get fitter and healthier at home without spending your hard-earned cash on a gym. You can go for runs in your local town or check out some body weight training exercises that you co do with nothing but your own strength.

2. Learn About Loans

A lot of people assume that if they want to be financially independent, they need to leave things like loans and borrowing in the past. However, this isn’t actually the case. The secret to financial success isn’t ignoring loan opportunities or never borrowing money. Instead, you need to make sure that you can get the best deal when you do need some extra help.

Learning everything you can about the different lending opportunities that are available to you will ensure that you can get the best deal on your finances when money is tight. Sometimes, your best option will be a personal loan, other times; it will be a guaranteed payday loan, and so on. Remember, knowledge is power.

3. Switch cards for cash

We all love our plastic. Credit and debit cards make paying for the things that we want and need easier, faster, and more convenient. Unfortunately, they also mean that you’ll often end up spending more cash than you mean to without thinking about it. Switching from card payments to cash for more of your day-to-day expenses will force you to pay attention to the money that you’re spending and where it’s going. This could mean that you’re more mindful of every penny.

Leave your cards at home the next time you go shopping, and make sure that you only take enough cash to the store for whatever you need. Your risk of impulse buying will go down drastically.

4. Track your spending

It’s hard to figure out how you’re going to save more money in 2020 when you don’t know where your cash is going in the first place. With that in mind, it’s a good idea to spend at least a few months tracking where all of your cash goes when you start the new year. Keep your receipts and watch your bank statements, so you can add up how much money you spend in different areas of your life. This will give you an insight into some of your more problematic areas.

Once you know where you’re more likely to go over-the-top with your money, you can put strategies in place to reduce your spending. For instance, if you often spend too much on eating out with friends, invite your loved ones to come to your house for a home-made meal instead. You could even ask your friends to join you in a pot-luck cooking session.

5. Make your Own Coffee

Finally, why not make 2020 the year that you become your own barista? If you didn’t ask your friends and family for a coffee machine for Christmas, start by learning how to make your own basic drinks with nothing more than your stove. As you save up more money from avoiding your daily trips to the local coffee place, you can gradually save up for a machine that makes all your favorite drinks for you.

You can make virtually anything at home these days, from pumpkin spiced lattes to cappuccinos. If you’re taking your own coffee out with you, then you won’t be spending anywhere up to 5 dollars every day on expensive beverages. It might not seem like much at first, but the savings will quickly add up.