This is one that is always up for debate. People like to think that money is not the route of all happiness, but we can’t deny that money does make us so happy? So which one is it? Well, you obviously need a decent amount of money to live a happy stress free life. When things start getting a bit tough, you’ll soon realise that your mood changes. You’ll be constantly stressed about not being able to afford things, even things such as socialising with friends. So in a way, yes, money is the key to happiness. To make sure you’re feeling good and stable with your own money situation, we’ve put together a few tips.
Don’t Get On The Bad Side
When money is good, everything seems great. But if you get on the bad side of money, it can soon all turn to doom and gloom. You need to put things in place to make sure you never go on the bad side. The first is staying away from the no no’s. Don’t get yourself sucked into those online shops that offer you a deal of buy now and paying again in a few months time. Some even offer you 12 months free without paying anything back. This quickly spirals out of control and before you know it you’ve reached your limit on the store. Just because it is free at the time, don’t get sucked in. You don’t know what your financial status will be in a few months time, so it will always be risky. If you do get to a point where you’re struggling to make your minimum repayments, it’ll get to the stage where you start damaging your credit score.
Improve Your Credit Score
Your credit score can get you far in life. It’ll help you get a mortgage, or even something as simple as a phone contract. When you do start damaging it, it can sometimes be hard to know exactly what to do to build it back up again. This is where companies out there who will be able to give you the help and advice you need, such as http://repair.credit. But one of the main things to remember is self control. There are going to be offers such as the buy now pay later schemes that are going to draw you in, especially around the time of Christmas or birthdays etc. All you need to do is be strong willed and save for what you want to buy rather than racking up a bill you’ll have to pay further down the line.
Don’t Stress
Money can cause us a bit of stress from time to time, but this often makes matters worse in a lot of cases. Relax, and think about how the situation you’re in can be solved. Sometimes all it takes is a clearer vision to know how you can get out of the situation you’re in. Evaluate the situation, and ask for help where you need to. You’ll often find the solution to your problems is found a lot quicker if you relax in the first place. For more ways to cope with money stress, check out this article www.moneycrashers.com.
