{"id":38692,"date":"2021-06-10T20:39:00","date_gmt":"2021-06-11T00:39:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=38692"},"modified":"2021-06-17T10:43:42","modified_gmt":"2021-06-17T14:43:42","slug":"worrying-about-money","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/worrying-about-money\/","title":{"rendered":"Stop Worrying About Money With These 10 Rules"},"content":{"rendered":"\n<p>Do you often catch yourself worrying about money, constantly thinking of ways to either save or earn more?<\/p>\n\n\n\n<p>Most people will at one point or another will find themselves stressing about money matters. Yet paradoxically enough, financial problems are rarely solved with higher income. They are solved by making a clear and feasible plan of how you are going to spend it<strong>\u2014<\/strong>and sticking to the plan.<\/p>\n\n\n\n<p>There are 10 rules to keeping your finances under control and easing your financial worries.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Higher Income Is Not the Solution<\/h2>\n\n\n\n<p>Research finds that most people think that just a 10% increase in income could solve all of their financial problems. However, your income usually isn\u2019t the problem\u2014it\u2019s the way that you spend it. If your income were to increase by 10%, your spending would likely increase by 10% as well.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #1: Write Down the Facts&nbsp;<\/strong><\/h3>\n\n\n\n<p>Write down <em>everything <\/em>you spend your money on\u2014from large expenditures like rent down to occasional orders at Starbucks. This is a time-consuming task and takes practice to remember\u2014but the good news is, you don\u2019t have to track your expenses forever. Track meticulously for at least one month, ideally three months.&nbsp;<\/p>\n\n\n\n<p>This practice will help you build an accurate picture of where your money goes. <strong>Many people think they know exactly how they\u2019re spending their money\u2014but this exercise surprises almost <\/strong><strong><em>everyone<\/em><\/strong><strong> who does it.&nbsp;<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #2: Create a Personalized Budget&nbsp;<\/strong><\/h3>\n\n\n\n<p>Once you have an accurate idea of how you spend your money, you can put together a budget that\u2019s suited to your specific needs. Budgets have a reputation for being \u201cfun-sucking,\u201d but they actually <em>give<\/em> joy to your life, because they create a sense of security and control that prevents you from worrying about money and keeps your emotions stable.&nbsp;<\/p>\n\n\n\n<p>(Shortform note: There are many resources you can use to build a budget that makes sense for your lifestyle and goals. You might talk to a financial advisor, browse <a href=\"https:\/\/www.shortform.com\/blog\/personal-financial-literacy\/\">financial literacy<\/a> websites like <a href=\"https:\/\/www.nerdwallet.com\/\">NerdWallet<\/a>, or use an online budgeting resource like <a href=\"https:\/\/www.mint.com\/\">Mint<\/a>.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #3: Spend Wisely&nbsp;<\/strong><\/h3>\n\n\n\n<p>Focus on spending your money wisely. <em>Wise spending <\/em>means getting good value for your money\u2014doing research can help you shop smarter in several ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You make sure you\u2019re getting a good price for a product.&nbsp;<\/li><li>You avoid overpaying for items that can be found much cheaper\u2014for example, choosing to buy a generic brand rather than name brand.&nbsp;<\/li><li>You understand if the product is truly worth the money\u2014reading product reviews is one useful way to do this.&nbsp;<\/li><\/ul>\n\n\n\n<p><em>Wise spending<\/em> can also mean spending your money on things that are meaningful to you and will bring you genuine happiness.<\/p>\n\n\n\n<p>(Shortform note: <a href=\"https:\/\/www.shortform.com\/app\/book\/your-money-or-your-life\/step-4\">Read our summary of <em>Your Money or Your Life<\/em><\/a><em> <\/em>to learn how to evaluate the meaningful value of your spending.)&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #4: Avoid \u201cLifestyle Creep\u201d<\/strong><\/h3>\n\n\n\n<p>Imagine that your salary was $50,000\u2014at this income level, you\u2019d probably be able to save a small amount while living a modest lifestyle. You\u2019d live in a decent, small apartment, shop for sensible and relatively inexpensive clothing, and make your meals at home instead of constantly ordering takeout. You get a promotion that comes with a salary of $100,0000. If you were to maintain the modest lifestyle of your previous salary, you\u2019d be able to save $50,000 <em>per year.<\/em>&nbsp;<\/p>\n\n\n\n<p>However, most people fall victim to \u201clifestyle creep\u201d when their income increases\u2014that is, they start upgrading their lifestyle in small ways such as buying nicer clothes, going out to restaurants more, or moving to a slightly larger apartment. These small changes creep your spending higher and higher over time. <strong>Though you\u2019re <\/strong><strong><em>making<\/em><\/strong><strong> more money, you\u2019re not <\/strong><strong><em>saving<\/em><\/strong><strong> as much money as you should be able to.&nbsp;<\/strong><\/p>\n\n\n\n<p>Lifestyle creep\u2014and living beyond or at the limit of your means\u2014can quickly get you into trouble. Make a conscious effort to keep your budget as consistent as possible after experiencing an increase in income. Staying well within your means will create a significant financial cushion, providing you with a sense of security. This isn\u2019t to say that you can\u2019t make <em>some <\/em>upgrades to your life. For example, moving your growing family into a larger apartment or adding a few more date nights with your spouse to your schedule might be meaningful, wise purchases for you\u2014just have a close eye on your budget and keep your spending under control.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #5: Maintain Your Credit<\/strong><\/h3>\n\n\n\n<p>Credit is important because, with good credit, you can get loans, buy a car, or get a mortgage.&nbsp;<\/p>\n\n\n\n<p>While <em>establishing<\/em> credit and <em>using<\/em> it is easy enough, be sure that you are doing the hard work of <em>maintaining<\/em> it and keeping your credit score high to keep yourself eligible for loans. You can do this by:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Using your credit cards wisely\u2014don\u2019t put more on them than you can afford to pay off, and try to pay them off in full every month.&nbsp;<\/li><li>Staying on top of your payment schedules and making <em>at least<\/em> the minimum payment each month to avoid interest hikes, late fees, and compounding debt.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #6: Get Insurance and Build Emergency Funds<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.shortform.com\/blog\/spend-money-wisely\/\">Using money wisely<\/a> safeguards you against major financial setbacks, such as accidents and illness, job loss, natural disasters, and so on. You can do this in two ways:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Create an emergency fund. Set money aside in a savings account that\u2019s only to be used for emergencies such as car maintenance, vet bills, and so on.&nbsp;<\/li><li>Get insurance. Make sure that your health, home, and automobile will be covered if something unexpected happens to them.&nbsp;<\/li><\/ol>\n\n\n\n<p>These measures combat worry in both the present and the future:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You have peace of mind in the present, knowing that you\u2019ll be taken care of if things go wrong.&nbsp;<\/li><li>You don\u2019t have to deal with financial worry in the future on top of a stressful event.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #7: Teach Your Children Money Management<\/strong><\/h3>\n\n\n\n<p>If you have children, teach them responsible money management from a young age\u2014this eases your worry that <em>they<\/em> will one day have financial troubles.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>For example, one mother gave one of her old checkbooks to her daughter. Each week, her daughter \u201cdeposited\u201d her allowance with her mother, who acted as a \u201cbank.\u201d Whenever the daughter wanted to \u201cwithdraw\u201d some of her money, she wrote her mom a check. This taught her the concept of savings, balancing a checkbook, and tracking expenses.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #8: Start a Side Hustle<\/strong><\/h3>\n\n\n\n<p>If you\u2019re not making ends meet, you have two options. You can either worry and complain about your situation, or you can create a <a href=\"https:\/\/www.shortform.com\/blog\/benefits-of-a-side-hustle\/\">side business<\/a> that gives you a small income boost.&nbsp;<\/p>\n\n\n\n<p>When coming up with a business idea, think of what skills you already have, what type of business can fit into your life around your working hours, and what type of business won\u2019t cost you too much money upfront. Many people start side businesses from their hobbies, which usually fit into each of these guidelines.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>For example, Carnegie tells the story of a widow who was struggling to make ends meet. One day, she noticed the unappetizing baked goods in a nearby shop. An avid baker, she offered to sell her homemade pies there instead. Within a year she was turning a huge profit, opened a bakery, and had two employees.&nbsp;<\/li><li>For you, this might look like doing freelance graphic design work, selling handmade earrings on Etsy, tutoring, or dog walking.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #9: Do <\/strong><strong><em>Not <\/em><\/strong><strong>Gamble<\/strong><\/h3>\n\n\n\n<p>Most people realize gambling isn\u2019t a good use of your money\u2014yet <em>many <\/em>people fall into the trap of spending a little money for the chance to hit a jackpot. <strong>In fact, Americans lose upwards of $117 <\/strong><strong><em>billion<\/em><\/strong><strong> on gambling each year.&nbsp;<\/strong><\/p>\n\n\n\n<p>A good way to talk yourself out of the temptation of gambling is to understand the odds of winning. Once you see how infinitesimally low your chances of winning are, you might be less tempted to waste your money.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rule #10: Practice Acceptance<\/strong><\/h3>\n\n\n\n<p>If there\u2019s no way to better your financial situation, you can at least improve your attitude toward it. There are three ways to accomplish this:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Remember that <em>everyone<\/em> has financial concerns and understands your struggle. You might be worried about how your lifestyle compares to Person A, but Person A is focused on keeping up with Person B\u2019s lifestyle. Furthermore, many successful people started out needing to scrimp and save or by borrowing money.&nbsp;<\/li><li>Forget about what you <em>don\u2019t<\/em> have. Instead, focus on what you <em>do<\/em> have and work on your gratitude\u2014this is an important step to financial stability because if you\u2019re not happy with what you have now, you\u2019ll likely be unhappy when your income is higher. To counter this unhappiness, you\u2019ll subscribe to lifestyle creep and start pushing the limits of your means.&nbsp;<\/li><li>Reflect on <em>human limits.<\/em> No matter how much money someone has, she can only be in one place at a time and eat three meals per day. While money might help you get nicer things, it can\u2019t expand human abilities. As long as your needs are met, money is just money.&nbsp;<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Do you often catch yourself worrying about money, constantly thinking of ways to either save or earn more? Most people will at one point or another will find themselves stressing about money matters. Yet paradoxically enough, financial problems are rarely solved with higher income. They are solved by making a clear and feasible plan of how you are going to spend it\u2014and sticking to the plan. There are 10 rules to keeping your finances under control and easing your financial worries.&nbsp;<\/p>\n","protected":false},"author":7,"featured_media":27356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31,9],"tags":[384],"class_list":["post-38692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","category-psychology","tag-how-to-stop-worrying-and-start-living","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Stop Worrying About Money With These 10 Rules - Shortform Books<\/title>\n<meta name=\"description\" content=\"Do you often find yourself stressing about money? Here are 10 rules to keeping your finances under control and ease your financial worries.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stop Worrying About Money With These 10 Rules\" \/>\n<meta property=\"og:description\" content=\"Do you often find yourself stressing about money? Here are 10 rules to keeping your finances under control and ease your financial worries.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-11T00:39:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-06-17T14:43:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2021\/02\/depression-sadness-money-poverty.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1220\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Darya Sinusoid\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Darya Sinusoid\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\"},\"author\":{\"name\":\"Darya Sinusoid\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/0421cce75bc249b11e2517b3a91f9c46\"},\"headline\":\"Stop Worrying About Money With These 10 Rules\",\"datePublished\":\"2021-06-11T00:39:00+00:00\",\"dateModified\":\"2021-06-17T14:43:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\"},\"wordCount\":1554,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/02\/depression-sadness-money-poverty.jpg\",\"keywords\":[\"How To Stop Worrying and Start Living\"],\"articleSection\":[\"Lifestyle\",\"Money\",\"Psychology\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/\",\"name\":\"Stop Worrying About Money With These 10 Rules - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/worrying-about-money\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/02\/depression-sadness-money-poverty.jpg\",\"datePublished\":\"2021-06-11T00:39:00+00:00\",\"dateModified\":\"2021-06-17T14:43:42+00:00\",\"description\":\"Do you often find yourself stressing about money? 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