How do you deal with financial stress?

[lienfaye]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

I can relate to what you have been going through. There are times I felt tired of everything and thinking of what else to do in order to cope up on these trials that i'm facing financially (and in general). But there's no other option but to work hard and strive because nothing will happen if you just sit there and wait. Hence, I don't want to keep thinking negative thoughts and just keeping myself busy at work, in managing my business and doing extra task here as side hustle.

In addition, I started taking up a 2 year office management course through online class. This is my alternative to improve my knowledge and land to a better job in the future. Of course nothing is certain but while I still have time, I think it's not late to have this achievement.

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[philipma1957]

Wow, the thread really blew up since the last time I opened it yesterday evening. I've read every single one of your replies, but I certainly cannot reply to everyone individually.

I am established. I am middle class. I have fairly good income. I also make some money mining.

But my expenses have really gone up the last 18 months. Along with my mining profits dropping.

What to do?

Change some food habits to save money.
Find a bit more work to make more money.

I am lucky that my wife and I like each other so more time in bedroom for free entertainment is something we can do.

The truth is that there's not much to do. You can't tackle inflation and increasing costs yourself; the only thing you can do is find ways to increase your income and, at the same time, reduce your expenses by avoiding unnecessary expenditures. And honestly, the most valuable activities in life are free.

Actually, I am always in a financial stress, but the stress level is always on different level. Even though I have saved money in bank account and hold crypto. I think I always feel uncomfortable, when when my monthly expenses are higher than monthly salary. Even though my bank account was always a positive number, and it was never a zero, when I moved from parents I was always stressed with tomorrows day. I find myself thinking about if something bad happens, will I have enough money to solve that. And right now, when I am a head of my own family already, the feeling of financial stress is even bigger.

I was, honestly, the exact opposite. I had a relatively cheap house and a steady job—not the highest-paying one—but along with my partner, we earned a decent income, plus signature campaigns to save Bitcoin. I was stress-free regarding money; we'd go on trips by car and vacation once or even twice a year without worrying too much. Now things are completely different, though. These times probably came to an end.

It's one of the things that you really couldn't get away from in my opinion. Try as you might to sweep this one under the rug, it will all be futile cause at the end of the day, you're spending money and you need money for daily sustenance.

If you're living well off, or at least sufficiently earning for yourself with some savings on the side, I suggest you look into a little R&R (rest and relaxation) every now and again. Go to the beach, take your family out to dinner, play sports with friends, do anything that will take the pressure and stress of living in the modern world, and you're sure to be able to deal with the stress brought by the cost of living expenses nowadays.

If you're someone who's not in the position to spend money that willy-nilly, look into other hobbies or interest. Work out, read, distract yourself and arm yourself one way or another. If you let the thoughts brew inside your brain you'd be paralyzed. Do something.

Certainly, my mind keeps racing, and I'm not actually relaxing, even when I'm resting. I can't stop thinking of what we could have done better or what we're going to do in this dire situation of not being able to find proper accommodations. My personal items are scattered along two houses and in my car because I've got nowhere to put them. Not only is this situation frustrating, but it also causes angry outbursts from time to time. It's causing a spiral of bad moods and depression.

The case you are experiencing is very different from our situation where we are not required to serve in the military because the country where I live does not enforce this rule. Usually I tend to spend a limited amount of money according to my needs to fulfill my basic daily needs. Anxiety certainly arises amidst the uncertain economic turmoil that has occurred in recent years because many people have difficulty getting money to spend on their daily needs. The difficulty of finding work has an impact on the fulfillment of life and also conditions due to recession and increasing inflation.

I try to live frugally in conditions like this and spend money according to my needs, because forcing to spend money in inappropriate categories will actually worsen economic conditions. Increasing income is a solution that must be done by adjusting whatever work can be done and if our income is stable then the problem will be resolved slowly even though we cannot solve everything quickly.

The military was the icing on the cake. I spent a year not earning money, and now I've returned to absolute zero. No income, no house. I'm only left with an enormous burden and stress. I'm generally an anxious person and an overthinker, and my mind just doesn't shut down anymore. I keep endlessly thinking, to no avail.

Wow no salary for a year.

I spent 5 years in the service. 1978 to 1983. US Navy. They paid not much but they paid.

So from what you say you are still young. Maybe 🤔 find a roommate making the apartment expense less.

[ancafe]

The root of the basic difficulties that still often arise in society is in the sector where it is difficult to find work, which causes many people to have difficulty earning money. And the result that they feel is the instability of the community in meeting their own living needs until now, so I think the government must act and find a solution to be able to handle this so that unemployment can be reduced a little gradually. Because in my country people are not required to become military or anything like civil servants.

When we don't work, there is no income that we can have, which will affect our daily life processes. People now have difficulty finding work and after the impact of the recession that hit, it has become increasingly difficult for people to meet their living needs. The government also encourages several MSME sectors to use domestic products, but people's purchasing power is low because they do not have a level of financial stability, which means these home businesses do not run well. There must be improvements to get to this stage of difficulty and the government and individual members of society must also encourage themselves to come out to find solutions to this problem.

The solution does exist, but not everyone can implement the existing solution. For example, the solution you said is that everyone must be able to increase their income or income in their lives so that every problem can be more easily faced and resolved. However, the facts that are visible now are that not everyone is able to do this consistently because they are still limited by several things such as skills to work and basic capital to be able to carry out a job. Because skills in one job cannot be used for other jobs, so someone can have more than one job.

This is a weakness for everyone who does not have skills at work and usually people like this rely more on energy at work. Strengthening human resources and skills training is very important in conditions like this because if training is carried out when problems have already arisen it will be difficult and inappropriate because it will be too late. What the government needs to do is train the human resources of young workers, so that they are ready to live life and if this is not done now, if they are faced with the same problems, society will have difficulty getting out of these problems.

[xSkylarx]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

I can relate to what you have been going through. There are times I felt tired of everything and thinking of what else to do in order to cope up on these trials that i'm facing financially (and in general). But there's no other option but to work hard and strive because nothing will happen if you just sit there and wait. Hence, I don't want to keep thinking negative thoughts and just keeping myself busy at work, in managing my business and doing extra task here as side hustle.

In addition, I started taking up a 2 year office management course through online class. This is my alternative to improve my knowledge and land to a better job in the future. Of course nothing is certain but while I still have time, I think it's not late to have this achievement.

Your solution may be exhausting but this is a really good initiative because you will forget or not have time to think about it. This is better because there are others who have plenty of time who tend to be on one side and overthink things and that will lead to suicidal thoughts which we shouldn't think of.

It is really best to keep yourself busy no matter if it is work or a hobby like sports. Just keep yourself busy and do productive things so that you can easily move on from your problem and forget that it is already solved because you are very productive.

[bayu7adi]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

The experiences I've had so far may never have reached the level you're currently experiencing. Perhaps my perspective wouldn't be rational, as I haven't gone through it myself.

Alright, if I were in your position now, the first thing I'd do is prioritize food. Nutritious food is the best support for humans to keep striving for survival. Yes, we don't need to think about an apartment first because if we're healthy, we can search for one every day.

Housing issues in my country aren't too difficult for emergency use. I could live in a simple shelter at a very low cost. You wouldn't even believe that here, with $35, you could sleep on a bed for 30 days. Of course, it wouldn't be luxurious accommodations.

The next step would be to seek better or additional sources of income. Whether it requires working full-time, as long as the earnings can provide more money, it's not an issue. It's better than enduring a life of poverty and hardship.

Focus on economic and financial growth to lead a better life and avoid stagnation.

[Strongkored]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

What has been difficult for me to face for the past few months is how to deal with prices which have risen quite alarmingly, it seems that the increase is normal but the increase in income is sometimes not even enough to meet all the needs that must be met.
As for where to live, I'm still luckier at the moment because I still have a permanent place to live even though it's not privately owned, but if I have to buy a house or even just rent it, I'm sure it will be increasingly difficult to meet all of life's needs.
The current state of the world is indeed quite worrying, but it's not just workers who are in business who are experiencing the same thing because that's what my friend told me, In fact, this has been happening since last year, where sales have decreased quite significantly and only increase at certain times.

[Kakmakr]

You have to stay focused and find a solution for one problem at a time... and putting a roof over your head, must be your first priority. Then you shift your focus on putting something in your stomach to enable you to work.

The world can sometimes distract you from these primary goals... because people get side tracked by the things that does not matter. (Size of the house / what area they live / What car they drive... etc.)

Just start small... and work your way up to your dream house and the family that supports you. 

[Patrol69]

When the corona virus became an epidemic in the world, everyone was waiting for a normal world. Corona-free normal world may have come but people are now having a lot of difficulty to live normally. One of the major problems of people is financial problems, if a person has financial problems then it is very difficult for him to live a normal life. 

After the corona virus, the prices of all the essential commodities have increased a lot, people's salaries are the same as before, but the prices of all food, fuel, oil or other commodities have doubled due to which it is now very difficult for people to live normally. In developing countries, where before taking 5 dollars equivalent money, the market is well finished, now, even taking 10 dollars money, the market is not finished, then just imagine how the current economy has reached a stage. To avoid economic crisis everyone should think of alternatives so that people can earn money in alternative ways.

[Blowon]

The simple thing is to reduce expenses. I am sure that even if we are employees who have a position but the salary we have is large and some global economic problems will not make us fully survive. If you think more deeply, there are still people who are even less capable than us so we can be more grateful for the finances we have now.

[slapper]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

The experiences I've had so far may never have reached the level you're currently experiencing. Perhaps my perspective wouldn't be rational, as I haven't gone through it myself.

Alright, if I were in your position now, the first thing I'd do is prioritize food. Nutritious food is the best support for humans to keep striving for survival. Yes, we don't need to think about an apartment first because if we're healthy, we can search for one every day.

Housing issues in my country aren't too difficult for emergency use. I could live in a simple shelter at a very low cost. You wouldn't even believe that here, with $35, you could sleep on a bed for 30 days. Of course, it wouldn't be luxurious accommodations.

The next step would be to seek better or additional sources of income. Whether it requires working full-time, as long as the earnings can provide more money, it's not an issue. It's better than enduring a life of poverty and hardship.

Focus on economic and financial growth to lead a better life and avoid stagnation.

You talk about prioritizing food - and while I agree, nutrition is vital - it's not the only crucial thing out there. Sure, in your country $35 might give you a month's shelter, but have you ever thought about the different socio-economic landscapes that exist globally? Some places, that won't even get you a meal! Forget the bed. What you consider basic, others might consider a luxury

Now, jobs. Not everyone can just "find" a better source of income. Realistically, the world isn’t overflowing with opportunities. Not everyone can just jump ship and find a better job. And while I'm all for financial growth, let's remember that stagnation sometimes isn't a choice. Sometimes it's circumstances

[kingvirtus09]

Well, all of us who are a community here in this forum are suffering from different levels of problems in our lives. Even if we are not the same, every problem we have always includes money, for sure. But even so, we also know that every problem has a solution; we just have to find it and work hard.

When we are in the city, let's expect that the main reason for us to stay in this place is money, but if we compare it to living in the province, it is not insignificant that even if you don't have much money, you can still live easily compared to living in the city. But no matter how serious the problem is, one must be patient and resourceful in these situations.

[MFahad]

Before covid 19 we were able to manage house holding activities but now everything get so expensive that no body is happy and satisfied with their income. I assume that in future there be more inflation if the situations are not managed properly therefore government should initiate certain rules in order to manage these circumstances.

We know that we cannot get rid of such circumstances because we have to spend life therefore we should work our best to handle these situations. Nothing is in our hand to overcome inflation as it is spreaded in all over the country but we can make a good revenue if we utilize our strength in better earning activities.

Adaptation is necessary in each and every situation so work according to your own needs because if you set without doing anything then life will become difficult for you to live.

[inthelongrun]

You have to stay focused and find a solution for one problem at a time... and putting a roof over your head, must be your first priority. Then you shift your focus on putting something in your stomach to enable you to work.

The world can sometimes distract you from these primary goals... because people get side tracked by the things that does not matter. (Size of the house / what area they live / What car they drive... etc.)

Just start small... and work your way up to your dream house and the family that supports you. 

I am also in the same situation just like most people do. But I can honestly eat and pay my bills with ease. What is stressful is trying to think big like having significant savings for future use to buy or invest into something. I have many plans for the next few years and maybe because of it, I am a little stressed when I think about it. There is pressure to work hard and look for more ways in order to create income.

But you are right. Maybe I should just relax and savor the moments. Right now I am playing a mobile game in order to chill my brain.

[wiss19]

I don't blame you or say that you are overthinking everything because you are obviously not alone in this. I've been through a lot more than what you are going through right now, you at least have a backup source of income that earns you at least something when you don't have a job, I didn't even have that. The only thing good about my situation was I had a residence and wasn't looking to rent a place but the job situation was worse than yours.

Can you imagine having a family of your own like a wife and a child and you are the sole bread earner of the family and you don't even have a penny in your pocket on certain days? I've been through that time, but I never gave up and I knew that things would get back on track and that happened. So, all you need to do is to keep yourself motivated and don't give up, things will change eventually and this time shall pass as well.

[Arenga pinnata]

Well, all of us who are a community here in this forum are suffering from different levels of problems in our lives. Even if we are not the same, every problem we have always includes money, for sure. But even so, we also know that every problem has a solution; we just have to find it and work hard.

When we are in the city, let's expect that the main reason for us to stay in this place is money, but if we compare it to living in the province, it is not insignificant that even if you don't have much money, you can still live easily compared to living in the city. But no matter how serious the problem is, one must be patient and resourceful in these situations.

As you said, every problem has a solution. So our job is just to keep moving forward and keep trying harder to improve the situation and keep enjoying the process that is being undertaken so that we don't get bored easily in carrying out our process in fixing the problems we are facing. And the majority of everyone's problems today are always related to money. So it is not surprising that after the Covid19 pandemic we also have financial problems and we are now struggling to improve these finances.

Living in the city is actually much more practical and easier if we have a lot of money and have a job that can make a lot of money. It's just that living in the city isn't easy if we don't have a lot of money. This is different from living in a village where the cost of living is actually cheaper. Because we can even work in the fields to get abundant food when harvest time arrives. It's just that in the villages more power are needed to work. So in essence, both are good places depending on the conditions.

[AicecreaME]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

I'm always adjusting myself to everything, I learned to appreciate the things that's in front of me, instead of looking for an apartment of your choice, why not just look for what is available. Sometimes we stress ourselves in purpose without us noticing, there's a lot of solution in a certain problem but we always force that only one solution or choice in our mind that's why we ended up stressing too much.

For me, I'd rather have something than to have nothing at all, what I mean is, I'd rather take the small apartment rather than stressing myself out looking for a good one. I'd rather be in a peace of mind by choosing a very simple choice rather than stressing out myself because of choices that is not even available as of the moment.

[icalical]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

I am not always optimistic, I am more of like always prepared for the worst. I wasn't came from a wealthy family, not from a poor family either just a middle class, so my parents have had their high and low, and I am get used to it. I am not saying that I never has a financial stress, but when I do I just live through it trying to find a new opportunity, and I believe that it will get better at some point, because it always does, and then it will get worse again, and then get better again, just a cycle of life.

[BigBos]

The simple thing is to reduce expenses. I am sure that even if we are employees who have a position but the salary we have is large and some global economic problems will not make us fully survive. If you think more deeply, there are still people who are even less capable than us so we can be more grateful for the finances we have now.

That's a social way of thinking, but to measure economic thinking, the solution is to rotate the results from one income to another. Taking advantage of the situation in the midst of the situation, being in control, in other words, investing in things that are profitable during a pandemic can still be profitable. Not a few of us know that during the crisis we experienced there were open financial sectors such as selling medical equipment, masks, hand sanitizers and many more where prices soared. Returning to the current situation, there are many things that can be done while being able to analyze sources of income in the immediate environment. Anyone can hone financial management skills but it is not always effective. Still, if we think economically, we will have various ways to survive.

[YOSHIE]

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

My understanding is that in life there is always pressure, whether it is financial, life's burdens and so on, not only in the life of the military, private sector, farmers, employees, workers and so on do they feel what is called financial pressure.

The point is that you remain optimistic about what you have now, regarding economic incentives, but the pressure that weighs most is the cost of living or generally financial needs which often makes someone always act and do bad things and ultimately regret it in life.
In fact, you remain optimistic about what is currently available and you remain focused on managing your future financial expenses and focusing on your main goals in managing finances to build a better future so that you can create your dream of building a house that is worthy for you to live in.

[Porfirii]

-snip-

To make matters worse, excessive weather conditions due to climate change are happening way more often now, causing floods and wildfires and destroying everything in their path. See Libya, Greece, Italy, Spain, and many more examples.

-snip-

Unfortunately, you are right and I have witnessed the effects of the weather conditions you mentioned.

-snip-.

Maybe I'm stressing out too much because I'm yet to find proper housing to establish myself again after being away for over a year in the military. I'm generally an anxious person myself, but does anyone else feel the same, and how do you deal with it? How do you stay optimistic?

-snip-

I feel close to you Ultegra134, and if this helps, the piece of advice I can give to you is that, if you are a person who makes things right (work hard, save, make ethical decisions, control your impulses) it is very difficult for things to go wrong.

Future is uncertain, and a certain degree of anxiety is reasonable, but if it is too much at moments it can help to think that you're doing the right thing with the variables you control.