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7 Things To Remember If You’re Stressing About Money

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This post idea came to me whilst I was sat in my hotel room in Vegas on my own eating a $12 burrito, wondering how the heck I could survive the next couple of months without having a complete financial breakdown.

The truth is, blogging makes me pretty alright money that can support my lifestyle, until my lifestyle throws a couple of jaunts across the Atlantic at it, alongside a boyfriend’s birthday. Then it sort of crumbles and screams at me and tries to suggest I send back that ASOS jacket.

Not happening, no damn sireee.

Naturally, I did the only obvious thing to do – I stayed away from checking my bank balance (because I like being able to breathe and y’know, not hyperventilating), watched One Tree Hill obsessively to take the edge off and stayed confined to my bedroom until my taxi home the next day so that I wouldn’t be tempted by any of the sexy Sephora buys or the $30 flutes of daiquri that were sold on the sidewalk that just looked so happy and naughty.

And that wasn’t my first OH MY FUCKING GOD THE WORLD IS ENDING money sulk either – more like my 748364th this year alone. I’m a pro at being that person who throws all their money in the air and rolls around in it come pay day and then afterwards looks at what they have left (after the IKEA trip, the holiday deposit, the Prosecco with dinner, the ASOS haul and the new make-up) and tries their hardest not to cry under a duvet whilst hoping that someone actually STOLE the money out of my account. Maybe I’ve been hacked? Maybe my card’s been cloned? That’s definitely it, I wouldn’t have paid out £18.23 to PayPal, maybe someone from Etsy has stolen money from me.

Oh wait, that was my Domino’s order.

Uh huh, I see.

So here’s what I’ve learnt over my years of financial freedom.

1. CHECK YOUR DAMN BALANCE

Being in denial is all fun and games until your phone bill gets declined and then yeah, it’s pretty teary.

No matter how much you feel like your toast might vom back out your nose with fear for just how low your available balance is, it’ll always make your mind feel more in control when you actually have the figures in front of you. That way you can start to develop a game plan – and, just like for me in Vegas, there’s always the possibility that you’ll log into your online banking and realise that actually, yeah, you’re not rolling in it, but you’ve got enough to work with. It’s not as bad as you’d feared.

Still worried? Actually heading to the bank and talking things through with someone might offer a world of options you never knew you even had.

(Disclaimer: We once got a £100 bank fine cancelled from our joint uni account just by rocking up at the bank and telling them we didn’t have the money. Yep.)

 

2. GET EXTRA INCOME

No-one realistically wants to get a second job working in a bar just to pay off their debts, so if you don’t want to do something quite *so* drastic, then think about selling off your excess belongings.

I make about £50 a month just selling clothes I don’t want on eBay, and alright, it’s not exactly making me rich, but it’s helping pay for my monthly coffee addiction, and Netflix, and then some. Some = afternoon chocolate from Tesco Express, obvs.

Sealed beauty products do particularly well on eBay, as do branded clothes from places like Topshop, River Island and Zara. For everything else there’s always the joy of waking up extra early at the weekend and making some sweet, sweet cash at a car boot. Plus, plan it well and it’s also an easy way to top up your tan. Win, win.

It might make you feel like a child again, but it’s always worth asking if any of your family are willing to pay you to do anything like car cleaning and grass mowing. Every little helps and all that.

 

3. REMEMBER YOU’VE DONE THIS BEFORE

Chances are, if you’re lying awake at midnight on a school night unable to sleep because FFS MONEY, this isn’t your first time.

You made it through last time. It might have been last year, it might have been last week, but you’re still here. You haven’t been hauled off to jail for being a bit flakey with money and y’know what? You’ll get paid again. You’ll have a nice, sassy little influx of money in your account again and everything will be right again in the world. Maybe next time you’ll be a bit more sensible, maybe next time you won’t.

Worrying over things that haven’t happened yet is the single worst way to spend your life. Remember that soon you’ll have forgotten all about these money anxieties and will have moved on because guess what? Life moves stupidly bloody quickly and things change in an instant. You could waste hours despairing, or you could be productive and haps.

 

4. MAKE A PLAN

If, like me, you find yourself in a bit of a tizzy more than is healthy and it’s basically become a helpful little personality trait, then it’s time to make a plan.

Get a spreadsheet out, work out your monthly income and your monthly outgoings and work out how much you have left. Could you pay off a set amount of your credit card every month? Maybe put £50 in savings?

YOU SPEND HOW MUCH ON BOTTLED WATER EVERY MONTH? Work out where your spending flaws are and then you’ll be able to work out ways to battle them and cancel them out so that you have more money leftover for more important things, like heating.

 

5. AND ALSO REMEMBER THIS…

Instant noodles are kinda nice. And cheap.

And pasta and pesto is an underrated dish.

YOU GOT THIS, GIRL.

 

6. YOU’RE NOT ALONE

You know how in films everyone in their twenties basically has enough money to like run off to New York when they go through a break up and you’re like errrrrrm? WHAT?

Your friends probably* (*I don’t know your friends, they might live in mansions and holiday in St Barts) don’t have that sorta money either. They’re probably not bouncing between pay cheques without a care in the world, snapping up a snazzy Whilstles bag here and a new Fiat 500 there. They probably more than dip into their overdrafts every month too.

I know I find this. I’ll be all stressed out like I HAVE NO MONEY AND OMG I’M IN MY OVERDRAFT AGAIN and then they’ll look at me and be like YOU come out of your overdraft?

You’re not the only one who gets carried away with disposable income they don’t actually have… And, spoken like a true grown up – you won’t be the last either.

 

7. CHILL THE EFF OUT

There’s that saying that one of my best friends taught me that helps in every situation ‘everything changes in a day’.

The things stressing you out and bringing you down right now won’t matter in a day, a week, a month.

Give yourself a night off from being you and thinking about your life – have a bath, watch something that gets you so gripped you forget to get up and eat bisuits. Try to unwind and distract yourself to that point where it no longer feels as though your stomach is plotting how to offload everything in it.

Money is such a basic part of life, it doesn’t deserve to drain your energy. Nuh uh.

 

 



27 comments so far.
  • Brilliant!
    I need to set up a depop/ebay account to sell some of my gazillion clothes items which I never EVER wear. And am planning on doing a car boot this summer, hopefully picking a sunny day so I dont get cold and wet!
    Rosie
    x
    http://www.anenglishrosie.blogspot.co.uk

  • I so needed to read this right now, I have just quit my job as it was destroyng my soul – I have savings so it isn’t a major problem but I do find myself getting really stressed out over the money side of things. I think your point about staying in control and actually keeping an eye on the old bank balance instead of just ignoring it is crucial. xx

    http://daydreamsofsummertime.co.uk/

  • Dominos letting you pay with paypal is actually the best and worst thing ever. I’m sure that if I had to hunt down my card details every time I wanted one I would rethink my life choices.

  • Rebecca

    I needed this blog today.
    I find myself worrying constantly about money, even though I have a stable income and some savings, I manage my bills each month and have never let things get to the stage where I don’t have enough in my cupboards to cobble together something remotely edible.

    Last year I started a spreadsheet to record my income and outgoings and found that it’s really helped to suppress some of my anxieties about money. I’m paying off my credit card in manageable chunks (and leaving it at home when I go shopping!) and am thinking more about what I buy and whether the money could be better spent elsewhere. I’d suggest that everyone start a spreadsheet, you can see trends in what you’re buying and even if seeing your balance dwindling is depressing sometimes it really does help to keep your spending under control!

  • Faye

    Love this post! It’s like I already know to chill about this but hearing it from someone else makes me feel better about it! x

  • Great tips! Just chilling out for a while about it all is definitely underrated. I find budgeting myself really helpful, like the smallest budget I can manage then it’s okay if I spend a little extra here and there

    x
    https://siobhanrothwell.wordpress.com/

  • I’m actually pretty good at handling my money, and I think that comes from always pretending I’m still a skint student! These are all good tips though. I try to sell stuff on ebay when I can, even if it’s just to clear out my wardrobe cos I move around so much.

  • Eve

    I’ve always been brought up to try & save my money, but like you said once pay day arrives Asos, wine & make up seem to just call my name!

    Refusing to check my bank balance is another one of my traits too. If I don’t see the lack of numbers, the problem doesn’t exist haha!

    Eve xo

    http://anorganisedscatterbrain.blogspot.co.uk/

  • amy

    ah I had a problem with debts, but if you can’t pay them that month, don’t leave it phone up and tell them your situation. Legally they have to put them down to what you can afford, and if there are problems call up citizen advice (who can put your debts on hold until you sort yourself out). just a reminder debt is bad dont go there.

  • I literally check my bank balance twice a day just to make sure nobody has robbed me! Haha

  • Reading this made me so happy! its such a relief to know everything i feel is often felt by someone else.

    Love it!

  • Yup, needed this post today! I’ve always managed to keep my finances in check pretty well but I am also a natural born worrier, so finding myself unemployed for the first time after 7yrs work has made me RIDICULOUSLY ANGSTY. This post was good timing, I’m okay. I’m. O. K.

  • YES this is brilliant, I always freak out and refrain from looking but 9/10 it’s actually fine – phewwwww

    Lauren x
    Britton Loves | Lifestyle Food Beauty

  • Tracey

    Great post, we recently made £70 at a carboot, mainly selling clothes I’ve not worn for years at £1 a pop, brill. I also hide from my bank balance, but it’s pretty much always a lot better than I feared and when it was awful, the bank took £100 off my £125 fine when I went to see them.

  • This is so true! I love these tips, they are actually really helpful
    I love your style of writing also, it’s so nice and refreshing.

  • Preach sister! Pasta pesto is what life is about. Admittedly though I’m dodging my balance this month. I’m half way out of my overdraft with a long way to go, but we’ll get there eventually!

    Jess

  • Haha literally me every month! Good to know i’m not the only one.

    Ellé | http://www.ellesimpson.co.uk

  • Emma

    Fab post! Money stresses me out every month. I’m sure someone steals out of my bank account! xx
    Glossy Boutique

  • Great tips, I’m looking for a job, in desperate need of money!

    http://laurenslittleblogs.blogspot.co.uk/

  • The problem with me and my friends is that we have very different money priorities. One of my friends has no problem blowing 80 Euros in a weekend on clubs, alcohol, cigarettes, etc. Whereas I feel guilty spending 20 on that. For me I like to save save save, and then spend it all within a week of holiday because it ends up being so much fun having that money. Kind of strange, but the one week of luxury is worth it!

    Julia

    ExploresMore.com

  • Honestly Hannah your posts always seem to come at a perfect time for me. I read this post yesterday and at that point I hadn’t checked my bank balance in at least a week due to having had a rather busy social life this month and I knew it will have taken its toll!
    This morning I finally checked it and although it was a bit daunting, I actually found I had a little bit more than I expected so I came back here to re-read your advice again so I can work out what I’m going to do for the rest of the month!

    lauren :) xx

    chaosandcreativeness.com

  • Great tips – funny isn’t it to look back on your 10 year old self who had never worried about money! I love Ebay for a quick £, I always find Topshop stuff sells so well on there to overseas for some reason! Talking about food on a budget there’s a delicious bean burger recipe I found on a blog (a girl called Jack I think), 22p a bean burger – its here (http://agirlcalledjack.com/2015/05/11/kidney-bean-and-peanut-butter-burger/) – it takes no time at all and i’m slightly addicted as there’s peanut butter in there – haha!

    http://www.beaucience.co.uk

  • Great tips – funny isn’t it to look back on your 10 year old self who had never worried about money! I love Ebay for a quick £, I always find topshop stuff sells so well on there to overseas for some reason! Talking about food on a budget theres a delicious bean burger recipie I found on a blog (a girl called Jack I think), 22p a bean burger – its here (http://agirlcalledjack.com/2015/05/11/kidney-bean-and-peanut-butter-burger/) – it takes no time at all and i’m slightly addicted as there’s peanut butter in there – haha!

    http://www.beaucience.co.uk

  • Georgia Hope

    Such a true post! I’m definitely guilty of always putting off my checking my bank statements and then being really confused how I’ve spent so much money xx
    http://www.chasingbelle23.blogspot.co.uk

  • This is just the post I needed to read rn. I’m trying to save to move out with the boy (yep live with a boy) and I’m finding the balance between having a life and saving EVERYTHING I earn hard! I love eating out and nail varnish too much, but putting small pockets of money away is defo helping. Good luck! Oh and I love the blog, don’t let the haters get you down :)

    Ruth x

    Ruth Writes
    ruthfishwick1.wordpress.com

  • I quit my job a few months ago because it was literally making me depressed. At first i was so stressed about money and how i was going to make everything work. Luckily my parents have been helping me out when needed but Ebay has become a life saver, its amazing how much unused you have lying around!

    As time has gone on, I’ve realised its not all about money, its just about being happy. Money will sort itself out but you only live once and you can’t spend every day being miserable! This post is so so true! Just don’t stress, whats meant to be will be!x

    l00nylovegood.blogspot.co.uk

  • Nat

    These are such simple but great things that I know I ignore… I’ve recently started to kick myself up the arse and check my bank if I’m in two minds about money.

    This is a great post for reminders. I love when you write posts like this. ^_^

    https://theremightbecoffee.wordpress.com/

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