Plenty of people struggle to have a healthy relationship with their money. It can seem so frustrating if you compare yourself to others and wonder why they have the magic touch. Many people feel like they start to control the money and then something happens to set them back. A loss of employment, major illness, car accident, or home repairs can sneak up on us and create havoc on the bank account. No matter what the situation is, you can gain control of your financial health and improve. Here are some recommendations on how to make things a bit easier.
1. Borrow The Money
If you are reading this and are already faced with a major life event that is resulting in a hole in the bank, consider borrowing the money to use for the emergency. Don’t be ashamed to ask friends and family for help. If that is not an option, installment loans can help save the day. An installment loan will give you the money you need upfront. You simply pay it back in monthly installments. The time frame can range from six months or longer.
2. Look At Your Budget
People who are good with money have one thing in common, their budget. They have one that is realistic and they follow it! Budgets can feel overwhelming but ultimately, they are the best tool to help you control your finances. You can see a clear picture of where your money is going, where to make changes and how to work at saving money for emergencies. Taking this step can help you avoid having to borrow money or use credit cards if a major life event occurs!
3. Be On Time
If you want to gain control of your finances, always pay your bills on time. It sounds like such an easy task but many people don’t really think about the effect late bills can have on your finances and your credit score (which you need to qualify for better loan terms in the future). Let’s take a look at credit cards. If you pay your entire bill (not the minimum due) on time every month, you show that you are responsible while avoiding paying any interest on the money you used. If you pay the minimum back each month on time, interest accumulates on the remaining balance and it takes longer to pay off the loan amount. If you pay anything late, you are still charged an interest fee along with a late fee. Why pay more than you need to? If you consistently pay late, the company will report to the credit bureau that you don’t pay on time and it will lower your score.
4. Look At Your Finances On A Weekly Basis
It can be super easy to sit down and look at your bank account at any time on your phone or laptop, but looking at everything on a weekly basis is far better. Did all your bills get paid that week on time? Did money go into your savings account? Are your budget and cash amounts matching up properly? Do you need to adjust your budget for a change in income recently? One of the worst things you can do is not watch your bank accounts and budget. You could find yourself in a situation you hadn’t anticipated.
5. Get An Accountability Partner
If you are romantically involved with someone that you share finances with, you should always stay connected in regards to your money and expenses. Working together can prove to be difficult at times, but it also shows a true partnership by helping one another achieve the same goal. If you are single, look for a friend or family member who could be your support person who can check in with you. Or you can look in your area for a non-profit organization that offers financial courses geared to positive financial health that can support you in your goals.
Some feel like they will never have a good relationship with money. Take the time to do your best with it and you should be able to overcome your financial issues.
I’m not sure if it’s because, as an only child, I grew up spending A LOT of time daydreaming and jumping from one fun scenario to the next or if I’m simply bent toward the habit but I get mentally off track as easily as cheap aluminum foil gets off its track.
I can be in the middle of reading a book and, even if it’s a great book, find my mind suddenly in my flower bed making sure my zinnias aren’t giving my moss roses too much shade. By the same token, I can be in one of my flower beds thinking about something I’d read that morning.
This mind.. I swear… it is all over the place!
The following infographic has some really great tips on lassoing the wandering mind and pulling it back to where you need it to be.
I love the concept of actually taking a minute to think about something different from what’s at hand… then getting right back on track. I actually did this this morning while reading – I paused between chapters and… you guessed it…. mentally planned one of my flower beds. Satisfied that it’d be both colorful and successful, I returned to my book and was able to give it my undivided attention.
Give these tips a try for yourself and let me know in the comments which is your favorite! Of course, if you have an entirely different method of your own, let us all know about it!
~ Joi (“Joy”)
With 1 in 5 adults experiencing mental health problems in the U.S., the conversations surrounding depression, anxiety and other such conditions are beginning to break the stigma. If you want to use your own experiences to write a blog and help others, then you’re not alone. Mental health blogs have become increasingly popular around the world, but there is always room for one more.
So, how do you go about starting a mental health blog? The best way to connect with readers is to create a beautiful, user-friendly blog that people want to return to time and time again. Stunning websites address our need for pleasing aesthetics, and above all else, they make us happy. Compelling content also engages readers and helps open up conversations about topics that truly matter. With this in mind, here’s how to start a mental health blog to inspire your readers.
Decide on a Niche
Rather than being a general mental health blogger, it’s best to focus on a particular niche so that readers know what to expect from your posts. Are you going to be an anxiety blogger, a depression blogger or a “yoga for wellness” blogger? Think about your passions, experiences,and knowledge and you could put them to use. You don’t need to be a mental health expert, but you should have some knowledge to impart to others; just make sure you add a disclaimer stating that you’re not a medical professional, as this could prevent legal complications down the line.
Create Your Website
Let’s think about your reasons for creating a mental health blog for a moment. You’re probably building this website because you want to spread awareness or share your experiences to help others. Maybe you specialize in a particular area of mental health, or you just want to become a source of advice and inspiration for others. No matter what your motivation is for creating this blog, the advice remains the same: the way your website looks is just as important as the content. Full-service marketing agencies like Eventige can help you build your site from the ground up, focusing on branding, promotion and search engine optimization to drive more traffic to your posts.
Brand Your Blog
Whether you want to make money from your blog or you just want people to read it, you need to create a personal brand that speaks to your target readers. If you’re trying to market your blog to others like yourself, then the branding should be easy. Just figure out what you like to look at when visiting other blogs (such as pastel colors, dark tones or calming blues with lots of white space) and work with that. It may take you a while to get your branding right, and you might need help from a marketing company to create your logo or design your website, but once you’ve established your brand, then the rest will be easy.
Connect With Readers
It’s important to connect with your audience no matter what sort of blog you write, but the subject of mental health is so personal that you’ll want to reach out and speak to your readers directly. One way to do this is by creating of subscribers through a sign-up button on your website and sending out weekly newsletters or inspirational quotes via email. Another way to connect with readers is by responding to comments: this is important, as comments foster conversations and keep readers coming back to your posts again and again.
by Dakota Murphey
Being married is much more than an emotional commitment; it is also a legally binding contract that you’ve both entered into. This is important to remember if you and your partner are considering breaking up. At this point, it is highly recommended that you seek the advice of an experienced divorce solicitor who can explain the ins and outs of the process of separating and help you petition for divorce, if that is what you wish. If you’re not quite there yet, or would like to know more – there is a great deal of useful information in the ‘further reading’ guides of this divorce lawyer’s page, here:
In order to obtain a divorce, you must first prove that the marriage has irretrievably broken down, citing one of these 5 reasons:
· 2 years’ separation with consent
· 5 years’ separation without consent
· Unreasonable behaviour
Interestingly, unreasonable behaviour is the most commonly used ground for divorce in England and Wales. If your marriage is at breaking point and you wish to petition using this reason, you need to know whether your spouse’s behaviour can be deemed unreasonable in the eyes of the law.
What constitutes unreasonable behaviour?
When petitioning for divorce on the grounds of unreasonable behaviour, the court will generally look for 3-4 types of unreasonable behaviour that have contributed to the breakdown of your marriage. These specific incidences may have happened 6 months before your separation, or they could be happening while you’re still together and have not separated.
What exactly is deemed unreasonable will be a personal and subjective thing that is different for each divorcing couple. That said, each behaviour will have to be compelling enough to convince a District Judge that you can no longer stay married to your spouse because of the unreasonableness of his/her behaviour.
It is essential that your allegations of unreasonable behaviour are specific to your personal circumstances. As this is a fault based divorce, you cannot use your own behaviour; the behaviour you cite in the divorce petition relate must relate to your spouse.
Examples of unreasonable behaviour
Here are some typical examples that you can use to divorce your spouse on the grounds of unreasonable behaviour:
· Your spouse has stated repeatedly that s/he no longer loves you, causing you distress.
· Your spouse has consistently shown no interest, and made no effort, in socialising with you, preferring to socialise alone with friends.
· Your spouse has not slept in the same bed as you since [date], causing you distress.
· Your spouse refuses to engage in physical or sexual relations with you.
· Your spouse has formed an improper relationship with someone whose identity is unknown.
· Your spouse has been physically abusive towards you or has threatened violence.
· Your spouse has been verbally abusive towards you on several occasions, causing you distress.
· Your spouse is financially irresponsible and has failed to maintain you and/or your children properly during your marriage.
· Yours spouse drinks to excess and, when under the influence of alcohol, behaves unreasonably or aggressively.
· Your spouse has been gambling to excess, having on several occasions caused you distress by running up large gambling debts and deplete the family savings.
· Your spouse refuses to discuss your marriage problems with you.
· Your spouse refuses to try and resolve your marital issues and continues to behave unreasonably.
As a useful starting point, it may help to compile a list of all the actions and behaviours displayed by your husband or wife that come to mind that could be deemed unreasonable. Behaviour can range from very serious issues including violence and drug abuse to general behaviour such as not spending enough time together. If your marriage is in trouble, you may be surprised to find that it may not take you long to draw up a long list!
If you are hoping to keep your divorce amicable, it is advisable to explain the examples of unreasonable behaviour that you’ve written in your divorce petition to your spouse. While communication with your ex-partner is always helpful, it may also give your husband or wife the opportunity to perhaps amend some of the examples to make them sound less harsh. It’s worth playing the long game. Getting your spouse’s cooperation is crucial in effecting a smooth and amicable divorce agreement.