Running out of time and short on cash

[d.moore11100]

I am fortunate that I am not at the age where I have to deal with things like this, but just hearing about it really stresses me out and makes me scared of what will happen to me in two years when I am finally old enough to leave the nest. How do you adults deal with this stress? I really hope I can get into a position where money doesn't matter but the future isn't very clear right now. I guess I will find out soon enough so good luck on meeting deadlines and paying your bills!

 

[hades_leae]

I have had many situation and small events that just over lap each other occur with me so many times. I broke my cell phone one morning, and later that day I cracked my laptop screen by sitting on my backpack. I also had one day where I forgot to clock out on this one job I had, and also they for some reason spelled my name wrong on my first check, it was hell that day.


I know that a lot of pressure will build up, and I tent to have much control over my emotion, and I think many people should also have more control over their emotions because in the 21st century with all these problems, it's so easy to snap.

 

[Mollyloui]

It happens to me all the time and I need help with it. Where to go?

 

[Zeesi]

I am fortunate that I am not at the age where I have to deal with things like this' date=' but just hearing about it really stresses me out and makes me scared of what will happen to me in two years when I am finally old enough to leave the nest. How do you adults deal with this stress? I really hope I can get into a position where money doesn't matter but the future isn't very clear right now. I guess I will find out soon enough so good luck on meeting deadlines and paying your bills![/quote']
I think it is very important at your young age to be consistent in being serious about the state of your financial affairs. Don't spend money you don't have. Take care of the money you DO have. Do a budget, keep track of all your money coming in, and all of your money going out. Keep a job of some sort so that they will always be money coming in. Just stay on top of your finances.


Treat your money like 'business', because it is business. You don't have to be scared, just be smart. And be consistently smart, don't slack off when it comes to making money, keeping track, and taking care of your finances.

 

[Zeesi]

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']
I really like the part about working to increasing your income, even if just by a little. Have you been meeting this standard that you set for yourself of every month, having more income than the previous month? If so, that is very admirable. This sort of thing is something that I need to do. I could make all sorts of excuses as to why it is a challenge for me to do so, but the bottom-line is, I just need to get it done.

 

[Aree Wongwanlee]

I really like the part about working to increasing your income, even if just by a little. Have you been meeting this standard that you set for yourself of every month, having more income than the previous month? If so, that is very admirable. This sort of thing is something that I need to do. I could make all sorts of excuses as to why it is a challenge for me to do so, but the bottom-line is, I just need to get it done.

It's a challenge, a personal challenge. I don't always hit the target. Not now anyway. When I was younger and I had growing children, it was a real challenge because my children were growing day to day, without stop. That means they need more and more money, without stop. So I simply have to keep on making more and more money, without stop. Now that all my children have grown up, I am not under any pressure to do that any more. However, recently, I started doing it again. It's, like I said earlier, a very personal challenge. Without a challenge, daily life becomes routine and dull. So far, I have been able to keep up with my target. Not making a lot of money but making a little bit more every month.

 

[pwarbi]

I'm not saying that money isn't important, as even though we sometimes like to pretend it isn't, we all know that it is, but sometimes in a persons life it can end up being too important and it becomes the be all and end all. Obviously if you are struggling that much that you can't afford to pay your bills then something needs to be looked at but you have to be careful that it doesn't end up taking over your life. Being happy and content in life is far more important than material things that we own and worrying that somebody else as got more than you is only going to make you feel like a failure when really it doesn't even matter.


Most people that place material things ahead of anything else might appear happy on the surface, but scratch a little deeper and their life will often be as complex and problematic as somebodies who hasn't got a lot because money and wealth can hide a number of things, and it's just a mask that covers a lot of problems.

 

[sidney]

Well I guess that's just the normal side of life. We all experience having financial problems, right? On some days we just get by, on some days we are short on funds, and on some days we have more than enough. I guess the ultimate solution to that problem is to always save money so that you won't get short on funds.

 

[KW2496]

I also get anxiety when it comes to money and especially owing it at a certain time. And the anxiety only comes if I'm not sure that if I will have the money. I just try not to focus on owing money all the time because I feel like that's just going to attract more of that to me. I just try and know that I am doing the best I can, there is always more coming it, and I will be able to make the payments I need to.

 

[Zeesi]

It's a challenge, a personal challenge. I don't always hit the target. Not now anyway. When I was younger and I had growing children, it was a real challenge because my children were growing day to day, without stop. That means they need more and more money, without stop. So I simply have to keep on making more and more money, without stop. Now that all my children have grown up, I am not under any pressure to do that any more. However, recently, I started doing it again. It's, like I said earlier, a very personal challenge. Without a challenge, daily life becomes routine and dull. So far, I have been able to keep up with my target. Not making a lot of money but making a little bit more every month.

I kind of like routine and dull, lol, but I'm a woman, so there's that. Not saying that some women don't like challenges, but this one sure doesn't, although admittedly it sometimes takes a 'challenge' to shake me out of a rut and get me to do things that need to be done.


Let me ask you this (veering away from the subject of money for a moment), as a woman who likes things to run smoothly and calmly, how can one stay a challenge to a man? Must I "create" some type of constant upheaval all the time??


This might sound like a question coming from left field, but I feel like you'll have an answer. I've been reading your posts for a very long time, so I'd appreciate your take on this question, if you don't mind.


Back to money though, like I said, I like things smooth and easy, so having to strive to make a certain amount of money every day for me can be a stress-making situation. It is good that your children are grown-up and now you making more money daily is a personal challenge, and not a pressure-filled necessity.

 

[Aree Wongwanlee]

I kind of like routine and dull, lol, but I'm a woman, so there's that. Not saying that some women don't like challenges, but this one sure doesn't, although admittedly it sometimes takes a 'challenge' to shake me out of a rut and get me to do things that need to be done.


Let me ask you this (veering away from the subject of money for a moment), as a woman who likes things to run smoothly and calmly, how can one stay a challenge to a man? Must I "create" some type of constant upheaval all the time??


This might sound like a question coming from left field, but I feel like you'll have an answer. I've been reading your posts for a very long time, so I'd appreciate your take on this question, if you don't mind.


Back to money though, like I said, I like things smooth and easy, so having to strive to make a certain amount of money every day for me can be a stress-making situation. It is good that your children are grown-up and now you making more money daily is a personal challenge, and not a pressure-filled necessity.

You are welcome to ask me any questions you want. I will answer all of them. However, I don't guarantee that all my answers will be what you want to hear. Oddly, I think you might have just asked the right man with that question of how to stay a challenge to a man. I have had more than one woman partner in my life. No, no, I didn't get bored with them. Let's just say that eventually, we decided that we wanted to go in different directions in our lives and we parted.


First, a woman is always a challenge to a man. No man ever understands a woman. This is one of the great mysteries of the universe. Perhaps the root of the problem is that a woman may not even fully understand herself. So she can change her mind as often as she wants to. This has kind of become a woman's prerogative. A man is expected to keep his word. A woman is not beholden to such a pledge. That's one of the things which makes a woman intriguing to a man. The man can never be sure about the woman. The best he can do is just to make a good guess. And his guess is more often a miss.


In that case, how come it seems that many men are bored by their women companions?


No, I don't think that they are bored. It's more likely that the women became bored first. Men are simply so predictable. It's child's play for a woman to manipulate a man. And when a woman gets bored with a man, her disinterest shows and the man feels unwanted. So he, in turn, probably to save face, pretends to be equally bored with the woman. All the woman needs to do is just show a little bit of interest in the man. A man likes to feel like a king when he is with his woman. When the whole world looks down upon him, he seeks solace in the arms of his woman who adores him. A man will never become bored with a woman who treats him like a king.


Isn't that simple?

 

[mauricioq]

That's just stress, when life starts getting like that for me, I just try to simplify because you can't control everything and sometimes you just have to accept that. When that situations go away, you'll feel much better. Just make sure you do your best, can't make more than that.

 

[Zeesi]

First, a woman is always a challenge to a man. No man ever understands a woman. This is one of the great mysteries of the universe. Perhaps the root of the problem is that a woman may not even fully understand herself.

Ahh, you've got jokes. I wasn't expecting this, and so I cracked up! Very funny, great sense of humor, although I know that you were totally serious.


I suppose as a woman I should be offended by being told that I don't fully understand myself, as opposed to what, a man who does?? I guess you're right though, because sometimes I feel like I don't understand myself at all, lol!! I really don't. But, it's all about the journey, isn't it?


Thank you for your answer, it made me feel a bit better about myself as one who is very low drama. When you spoke about the challenge of meeting certain daily monetary goals, and if there's no challenge, things get dull, I thought to myself, "Yet another man on this great planet talking about how things have to be a challenge. Can't things just be smooth and simple?"

 

[djanx]

How do you deal with the pressure? How do you not lose your focus and push pass the anxiety?

Well, first I have been through that, which is why I recommend finding ways of earning from home as well. You know use freelancing websites like guru, fiverr etc. I am sure you will find something that matches your talent. I mean I just saw on bbc, a teenage girl earned thousands of pounds by selling english baby names to Chinese parents. I mean who would have thought that could be done. So, there is literally thousands of opportunities out there - all you need is the internet. Also, check out reddit for short projects, jobs, etc.


Life's like that only. Before I had found different ways of earning, I would only have my salary. And that would simply run out by the 5th or 7th of the month. And I would be left praying that nothing break. And if I would put away a little cash into my would-be emergency fund, something would happen that would force me to spend it.


Then I skilled up - do that too. I mean learn something new on coursera or edX or something. There are about 200,000 jobs in tech that don't require a lot of knowledge, so maybe you can look into getting into that as a side gig.

 

[Aree Wongwanlee]

Ahh, you've got jokes. I wasn't expecting this, and so I cracked up! Very funny, great sense of humor, although I know that you were totally serious.


I suppose as a woman I should be offended by being told that I don't fully understand myself, as opposed to what, a man who does?? I guess you're right though, because sometimes I feel like I don't understand myself at all, lol!! I really don't. But, it's all about the journey, isn't it?


Thank you for your answer, it made me feel a bit better about myself as one who is very low drama. When you spoke about the challenge of meeting certain daily monetary goals, and if there's no challenge, things get dull, I thought to myself, "Yet another man on this great planet talking about how things have to be a challenge. Can't things just be smooth and simple?"

No, things just can't be smooth and simple. That's only happens in fairy tales. In real life, nothing, absolutely nothing, is smooth and simple. Sure, I, too, would like things to be smooth and simple, but it's just a wish. It's better to expect life to be full of ups and downs. That way you would not be caught unprepared. Of course, there's no way we can be fully prepared. It's like when I ride in a car. I put on the safety belt. Would that stop me from getting involved in an accident? Of course not. However, it would help to reduce my injuries, if I do.


Have you ever tried baby food? Now, that's rather smooth and simple. Not really appetizing, either. You should try some Som Tam. That's a spicy Thai salad. No, make that a very, very spicy Thai salad. Aaah, then you would get an idea what it's like when it's not smooth and simple.

 

[kelden]

One really can't know how is going to be my behaviour when those situations actually happen. Even when I'm able to imagine; but I'm aware I handled myself under a lot of pressure before, so I believe it wouldn't be so awful.

 

[Zeesi]

Have you ever tried baby food? Now, that's rather smooth and simple. Not really appetizing, either. You should try some Som Tam. That's a spicy Thai salad. No, make that a very, very spicy Thai salad. Aaah, then you would get an idea what it's like when it's not smooth and simple.

More jokes!! Okay, okay, I see where this is going. You know, as a matter of fact I have tried baby food, and not just when I was a baby, I mean I've tried it as an adult, and you know what, I quite like some of the flavors, thank you very much. (I really do!)


I understand what you are saying though, and I like how you put it, that things are only smooth and simple in fairy tales. I get that. It is funny how you would use fairy tales as an example because as a grown woman with a grown son (21), I watch fairy tales constantly. Hardly a day goes by that I don't: watch a movie that is a fairy tale, watch a movie that's a very cheesy romance, or read some very smooth and simple romance novel. Those things appeal to me. Low stress, low anxiety.


I'm totally going to try that Thai salad.

 

[Aree Wongwanlee]

More jokes!! Okay, okay, I see where this is going. You know, as a matter of fact I have tried baby food, and not just when I was a baby, I mean I've tried it as an adult, and you know what, I quite like some of the flavors, thank you very much. (I really do!)


I understand what you are saying though, and I like how you put it, that things are only smooth and simple in fairy tales. I get that. It is funny how you would use fairy tales as an example because as a grown woman with a grown son (21), I watch fairy tales constantly. Hardly a day goes by that I don't: watch a movie that is a fairy tale, watch a movie that's a very cheesy romance, or read some very smooth and simple romance novel. Those things appeal to me. Low stress, low anxiety.


I'm totally going to try that Thai salad.

I see. You must have taste buds which are a whole lot more sensitive than mine then. It was a very long time since I tasted baby food but I can still remember very well how they tasted. Maybe it's the baby food I have chosen but somehow all tasted very bland and, well, bleeeah!, to me. I had to taste the food to find out why my babies weren't that excited about eating the baby food. No, I don't have many children. Just 10 - 7 boys and 3 girls - all grown up now with their own families. My eldest grandchild is already a teenager, I think. Yes, I have so many of them that I have sort of lost track of who's who and who's doing what.


Anyway, back on topic.


How not to run out of time and run short of money? Planning, planning and more planning. Of course, that's easier said than done. I am not really a great planner. My life has been lived very much on an ad hoc basis. However, I do find that a little bit of planning makes a lot of things run a lot more smoothly. Like a little bit of planning can help to make the money run more smoothly.

 

[misszerable]

I am operating a public utility business in my country and this is a type of business where you can't afford not to have some money set aside for sudden repairs. A problem will usually arise when the vehicle had to undergo successive major repairs in less than a week's time. I once hired a driver who was careless, inefficient, and had little knowledge of basic vehicle maintenance but was industrious and worked 6 days a week. That could have translated to extra cash on my part but no, most of it went to the repair of the vehicle. It's like everyday, something would need fixing. Every time the vehicle leaves our compound, I would always be anxious that it will need repairs and would not run on the following days. That really put a dent on my wallet because I would sometimes use my other funds to pay for repairs. After 3 months of this situation, I fired the driver. Thankfully, a month later, I found a new driver who was more responsible and knowledgeable. He, however, would only drive for 4 days a week so that meant less revenue on my part. There was a big difference though. He does most of the repair works and he checks the vehicle thoroughly before driving it away. I am also so much less anxious because the vehicle is running smoothly and I didn't have to dig deeper into my other pockets for its maintenance.

 

[Alex]

Welcome to the real world of life. It happens and you learn to deal with things, and there will be bad days when nothing goes right. In terms of the car park ticket, those are avoidable and while you can wing it, it's not worth the risk. I'm a non-driver, but whenever I am with someone who drives I double check.


I also look at obstacles as signs that you may have to change your path in what you are doing. I believe that if something stops you there is a reason, and sometimes it's to protect you form creating more harm. Maybe your project is not working out and it's a sign for you to try something else?