Running out of time and short on cash

[Panic57]

It never fails, you're minding your own business and you leave the library to find a ticket on your window for being their longer than two hours. You drive over a nail and you have a flat but no spare. Spend all night working really hard on a project to have you computer just shut down in boycott. So whether or not it's a couple hours or a couple weeks you have to suddenly summon a chunk of money out of no where. As your time runs short, you lose your focus in your anxiety and then at the end give up because there is no way you can pay off that bill. How do you deal with the pressure? How do you not lose your focus and push pass the anxiety?

 

[Sue]

Happens to me almost every month. It gets very stressful and I do my best to get through each month. Some months I feel like I am really falling behind but somehow I get through it. I wish I didn't have those money issues. It would make life so much easier but it has always been a problem for me it seems and one that causes much of my anxiety.

 

[kgord]

Yes, and the thing is that no matter how much money you make it seems that something is always happening to keep you from getting ahead, like in this case my cat came down with urinary crystals and now has to get special food which costs a fortune. It doesn't matter what it is..every time you feel that you might be getting caught up financially, something happens to put me behind the 8 ball once again. I am not the only one though...my roomate is always having car problems that are expensive.

 

[Kosta]

Most of us have similar financial issues, and yes, they are causing anxiety problems all the time. As we can see, the whole world is in a crisis, and I am not sure when will be better. It is pretty hard to deal with business these days, because all my partners have some financial problems. Daily earning is lower than before a few years, and only solution I have found is to work more. And as an outcome of the situation, I am more exhausted and vulnerable. I hope the crisis will end soon, and the normal life will come back. So we will have less stress and better life conditions.

 

[aimeepoo]

My husband and I have issues with money. We have had to resort to bankruptcy and that is a horrible feeling but when you are barely making it you just have to do what you have to do. We are no good at budgeting. My husband is an impulse spender and I try my best to save so it causes a lot of anxiety and frustration for me. He and I are actually looking into counseling for some issues so I'll bring it up to a counselor about the spending of his. Stress and money troubles are annoying and a major cause of anxiety.

 

[rz3300a]

Well I am pretty sure that money has caused everyone a panic at some point in their lives. I know that I struggle with little things, and the last thing I need to have to worry about having a home and things to eat, so I certainly understand all the anxiety that comes with these issues. I think it emphasizes the important of regularity and routine when you deal with anxiety issues, and trying not to let external matters affect you, but we all know that this is easier said than done. Best of luck to you and thanks for sharing.

 

[whysewserious]

I am trying to finally make an excel file that will help me calculate my budget, and hopefully that will help, but yes, those types of moments as originally describe happen to all of us.


First, I don't let the emotion over take me, but I do let myself experience it. Pushing it away or bottling it up only makes it worse, for me.


Then I start thinking about what I can do - actually set a game plan. It's the feeling of not having any control that causes my anxiety, and as soon as I have a tangible list of things I can do, it helps me immensely. Do I have old clothes, DVDs, books, video games I can sell? Eating at home instead of going out saves me money. Are there any odd jobs that I can pick up for a day or two to make extra cash? And so on. Even if I don't end up making a ton of extra cash, it's the effort that makes all the difference for me.


Many places will work with you on a payment plan if you explain your situation, by the way. I've actually had a judge reduce my fine drastically when I took my bank statement in to court to ask for help. Being friendly and respectful in a world where that is a rarity can really make a difference.

 

[djordjem87]

Positive thinking actually. I try to overwrite the day and start over because I learned that when things starting to fall apart there is no point crying over that and complaining. I had my fair share of anxiety problems and I could share my stories about that but I won't. I would rather share my positive stories about fixing my problem with anxiety. One thing always leads to another. A domino effect is always present when t comes to bad luck and that is not magic, it is our subconscious choice. We are not aware but by negative attitude we fill our subconscious mind with all this anger and it projects it further on some things that in the end ruin everything up and never leave much to be repaired. Just stay calm and follow the old saying that goes something like this, "If there is a solution to a problem then you don't have to worry about it and if there is no solution to a problem there is no point to worry about it."

 

[Ashley0323]

Take a deep breath and take baby steps. We just went through this. I work from home, and I do this using my computer, obviously. My computers keyboard got wet (kids, nuff said) and the entire laptop went down and hasnt turned on since. Luckily, my fiance has tons of computer parts around the house and was able to build me a new one so I can continue to make money. Though, I was without a computer for over a week. It was very stressful.

 

[lexinonomous]

It is incredibly difficult for me not to experience anxiety in situations like this. One of the worst moments I've had involved car problems. I get anxious just thinking about my vehicle dying. I would hate to have to come more out of pocket- especially since I don't have a job at the moment. Going to school is killer enough for me. I can't imagine life without a vehicle at this point.


If something were to happen right now, I suppose I would have to take a few deep breaths and accept that I was going through a hurdle.

 

[Aree Wongwanlee]

Running out of time and short on cash? Oh, yes, that has happened to me many times before. It happens when I allow myself to be in a position where my expenditures push the limits of my income. However I have found a solution to my problem. First I always work on increasing my income. Each month, my income, somehow or other, must be more than the previous month, even if just by a little bit. Then, when it comes to expenditure, I always ask myself a stupid question "Would I die, if I don't buy this now?" Most of the time, the answer is no, and so I don't buy and I don't overspend. Many times, I found that by postponing my purchase I could get a good deal. I particularly remember one instance when I saw a pair of boots which I liked and it was in a size I could wear. The pair of shoes was in a shop window which I pass by nearly everyday. I just passed by and looked and passed on. One year later, I went into the shop and got the shoes at half the price. The shop owner was glad to be able to sell the shoes after it had been sitting in the window for a year.

 

[Panic57]

Running out of time and short on cash? Oh' date=' yes, that has happened to me many times before. It happens when I allow myself to be in a position where my expenditures push the limits of my income. However I have found a solution to my problem. First I always work on increasing my income. Each month, my income, somehow or other, must be more than the previous month, even if just by a little bit. Then, when it comes to expenditure, I always ask myself a stupid question "Would I die, if I don't buy this now?" Most of the time, the answer is no, and so I don't buy and I don't overspend. Many times, I found that by postponing my purchase I could get a good deal. I particularly remember one instance when I saw a pair of boots which I liked and it was in a size I could wear. The pair of shoes was in a shop window which I pass by nearly everyday. I just passed by and looked and passed on. One year later, I went into the shop and got the shoes at half the price. The shop owner was glad to be able to sell the shoes after it had been sitting in the window for a year.[/quote']
That's a great goal to have, I hadn't thought of adding to my income on a monthly rate. All the articles I've read only ever talk about reducing spending on things I already don't buy.anyways. I'm definitely going to add that on my to do list. I also have been reading this book called the Richest Man In Babylon and it suggested always saving ten percent of everything you make. So I've been doing that. If I pair the two together that should help in an emergency.

 

[VanM]

I think everyone has, at one time (or multiple times), been in this predicament or could be currently going through the situation now. Growing up in a poor family, I can definitely relate. I learned early in life that keeping my finances healthy is one of my must-dos in life. I earn, save and live within my means.

 

[SirJoe]

It's just part of life, not everyone is born with a silver spoon in their mouth. I think that they best thing to do is to take a deep breath and try and deal with it. There is always find a solution when we have a cool head.

 

[Aree Wongwanlee]

That's a great goal to have, I hadn't thought of adding to my income on a monthly rate. All the articles I've read only ever talk about reducing spending on things I already don't buy.anyways. I'm definitely going to add that on my to do list. I also have been reading this book called the Richest Man In Babylon and it suggested always saving ten percent of everything you make. So I've been doing that. If I pair the two together that should help in an emergency.

It has to work both ways. Reduce expenditure and increase income. Both at the same time. However, reducing expenditure has a limit. After a certain point, the quality of life deteriorates. On the other hand, increasing income doesn't have a limit. I am not saying that we can become millionaires overnight. There's no such thing except in scams. Still, making it a point to increase my income every month makes life more interesting. More money in hand simply means more choices.

 

[thecorinthian]

I think that aside from mental issues finances are the real cause of anxiety-- especially the lack of it. I think that while we're young it's hard to earn money because it grows along with experience but overcoming that shortage will make us better people. Suffering builds character I think but when the anxiety is stress is too much of a burden confide in a person who loves and supports you, confide in God or lean on someone with strength but don't ever quit.

 

[Panic57]

It has to work both ways. Reduce expenditure and increase income. Both at the same time. However, reducing expenditure has a limit. After a certain point, the quality of life deteriorates. On the other hand, increasing income doesn't have a limit. I am not saying that we can become millionaires overnight. There's no such thing except in scams. Still, making it a point to increase my income every month makes life more interesting. More money in hand simply means more choices.

Yeah, but there is a point where you can't minimize your spending anymore. I would like to get to a point where I make enough that my daily expenses are only thirty or forty percent of my income and I can save or invest the rest of it. But I agree that reducing expenditure while increasing income is the most sound way of living comfortably.

 

[gwood]

I find myself in similar situation almost every month. I know its easy to say don't panic, but I just do. I find myself lost, worried and panicking and sleepless at night. It seems every time you plan and prepare for it better some or the other unexpected cost will come haunting for you. It's like the universe is playing with you. I have not learned to deal with it yet, I just try to relax and divert my mind to something else.

 

[janemariesayed]

That's the problem with me, I do lose my focus. If things are going awry I just let it go. There is nothing I can do about a situation unless money enables it to be done. If I was having all these things go wrong in a short space of time, I would cleanse my aura with a salt bath, or for a super clean, burn some sage. Once I have cleansed I start to feel a bit better and am able to then focus enough to sort the problem out. If I'm on a really negative low ebb, I would meditate or listen to some binural beats and tones to lift my vibration out of the negative.

 

[pwarbi]

I'd imagine that everyone at one point or another would have experienced anxiety due to money, or should I say the lack of it. I've been in that situation myself many times, and while when you're experiencing it, you think that there's no way out, things always do eventually work out. There was a time when I was 24hrs a way from living on the street through no fault of my own, and I didn't have the money for a deposit or even to stay in an hotel room but when everything looked lost, a friend who I hadn't spoken to in about 10 years suddenly rang out of the blue and asked if I knew of anybody who needed to rent a place as he had bought a block of flats and was looking at renting them out.


Now I don't know if that was fate, luck or whatever it was, it was a bolt from the blue that I didn't expect and I'm still living in that flat now and never been happier. I guess the moral of the story is never give up, and even though you can't see it, there is always a way out of things if you look hard enough.