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In 2013, the yuan appreciated almost 3% against the U.S. dollar, making 'Beijing a more expensive destination than in the past,' Jiang Yiyi noted.
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First, you need to know what is causing your financial stress. So let’s take a look at four common reasons when people think they’re helplessly mired and slowly sinking in in the money quicksand. Then we’ll tackle ten simple solutions on how to get you out of that mud and that sinking feeling of helplessness.
Financial stress can go from wreaking havoc on your wallet to ruining your health if you’re not careful. WebMD even listed finances as a common stressor that can trigger long-term diseases and bust your budget even more. As with any problem, the first step is to know the enemy so you can fight it. What is causing your financial stress? The obvious answer may be money, but, surprisingly, not quite so, or at least, not in its black-and-white context.
You might think that unless you’re unemployed or in need of emergency cash, having more money solves your problem outright. But often, the more money we have the higher our financial stress. Not to say this it is always the case, but the truth is we have an insatiable thirst for more things that money can buy.
Trium’s alumni value studying alongside senior and international classmates. “It allowed us to exchange [ideas] among ourselves and derive as much additional knowledge as [we gained] from the course itself,” says one.
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I agreed with Craig and Neil immediately that Ellen is the ideal host for this year’s show. We’re looking forward to an entertaining, engaging and fun show.
The real key to dealing with financial stress is to change your behaviour towards money. Spend smarter, invest more and save some.
We have met the enemy and he is us, so goes the popular quote from the classic comic Pogo. In many ways, you are your biggest obstacle to getting rid of financial stress. The following advice will help transform you from enemy to best buddy.
There is power in words and in the language that you use. Don’t say negative or wishy-washy things like if only you have more money or that you need to stop buying things. Put force and specifics into your thoughts. Say, “I’ll only buy things that I really need to save for my retirement;” or “I will find another income.” Indeed if you’re seriously looking for another income source, you can 北京市住建委解读：抵扣后个税为零不影响在京购房.
It’s amazing how simply changing your financial perspective can result in drastic improvements. For example, instead of using the formula, INCOME + LESS EXPENSES = SAVINGS; change it to INCOME + SAVINGS = EXPENSES and watch your money grow. It takes discipline to stick to the second formula, but by changing your view, you’ve made the first step.
Believe that you can solve your money problem. There are people who have been in worse financial straits than you, and 经销商渠道倒逼 地板龙头圣象重构大家居版图. Hopelessness is the idea of losing control over the situation; believe that you still have control over your finances and you start bringing in hope back into your home.
Think of the other great things that you have. Your health maybe. Your family. A great kid. Steady job. Great friends. Solve the things that you can today, and be at peace with those that you can’t for the meantime and life will suddenly be more bearable.
Plan for tomorrow but live in the present. Worrying too much about tomorrow is as unhealthy as living in the past. We all can plan so much to safeguard our future; beyond that, you may be shortchanging the present. Play with the kids or take an afternoon walk with your partner. Sometimes, it’s also nice to stop and smell the flowers.
A bad credit doesn’t mean you’ve failed. It only means you’re caught unprepared. Even some of the most successful people today have, at one point in their lives, failed miserably in their credit. It is what you do after the setback that defines your success.
When you find yourself worrying about the same things every minute, it’s time to jump into that gym or yoga suit. Exercise or join a mediation class to ease out the worries. Keep your mind healthy and your body fit, in fact, even more when problems strike. You’re better armed and focused to solve problems when you are healthy.
There are financial coaches or specialists who can help people solve their money problems. You can also talk to a family member or close friend and ask for financial assistance if you believe this is to your best interest.
The ideal ratio is to limit your debt payment below 40% of your salary. Work out a plan with a financial coach or a professional friend on how to pay up your debts. Identify unnecessary expenses that you can reallocate to debt payment. The faster you can pay all your debts, the better.
Save or invest at least 10% of your income. This holds true even if you’re paying off debts. Do away with impulsive buying. Cut the credit for the meantime and put the money instead on investments. If debts give you the blues, savings and investments are your stimulants.
To beat money stress you must first identify what is causing it. Likewise, you must realize that having more money is not the real solution; rather it’s changing your perspective about money that will help you recover from financial stress. Lastly, by following our ten financial stress-busters above YOU CAN BEAT FINANCIAL STRESS!
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