Tag Archives: stressing

Money Stress and Budget – Hannah Coe

January is often the month that we’re skint and money stress is at its high. Overspent on Christmas and no money left for the New Year… December pay checks are usually paid before Christmas, which although great for the Christmas budget, isn’t as good for the bills. To top it all, January is also a longer month so it means longer to wait till payday.

It doesn’t have to be all doom and gloom though!

By following a few simple tips and adapting little changes in your life you change it all.

Preparation is the key to success

It’s true! Have you ever heard that saying ‘fail to prepare, prepare to fail’?

I know what you’re thinking, this sounds like hard work… It really isn’t and just stay with me.

Create your budget

You don’t have to be elaborate with this, all you need to do is write down all of your incomings and outgoings.

I normally start with my income at the top and outgoings below. I split my outgoings into fixed costs (bills etc that I have to pay) expected costs (food etc) and then unexpected costs (random spends).

When I filled this in for the first time I used my spends from the previous month to get an accurate idea of what I was spending.

Income:

Wages:-

Outgoings:

Fixed costs

Rent:-

Gas & Electric:-

Water:-

Internet & TV:-

Expected costs

Fuel:-

Food:-

Subscriptions:-

Unexpected costs

Clothing:-

Household bits:-

Days out:-

Random:-

That’s a very basic example of a few things that I will include on my budget overview sheet. There will be more things on your overview and how you categorise them is up to you.

You may be wondering how this will help to reduce stress but it puts everything into perspective. By having everything written down in front of you, you can clearly see where your money is going.

Cutting your budget down

So, you can now see where you’re spending your money and some areas may have shocked you already. My food spend for example was A LOT more than I thought it would be. Because I just put everything on my card I hadn’t realised how much it was until it was staring me in the face!

Look at all your outgoings and think if you could reduce them.

Fixed costs like rent/mortgage will be harder to change but can you swap your utility bills to a better deal? Have you actually tried?! It’s actually loads easier than you think. And trust me, I do it every year! And you can cut your bills easily year on year.

Expected costs is an easy one to cut down, do you need that subscription that you’ve not actually used in the last few months? If not then cancel it! Set yourself a goal of cutting your food bill down by £10 a month, just do it little by little. There’s no point saying you want to half your food costs in the first month because it’s probably not going to happen. Hats off if you do though!!!

Unexpected costs are those random spends and do we really need them? Things like no spend months can be fab when trying to reduce these spends.

How to reduce your spending

Now that you’ve created your budgets for each category, you need to start actually spending less. It’s no good just saying you’re going to spend less, that will just increase your stress!

I’ve already mentioned a few things like switching your utility provider and taking part in no spend months. There are also fab challenges such as the 365 day penny challenge that encourage you to start saving more.  

How can all of this reduce my money stress?

Creating a budget puts YOU in control of your money. And yes, you may think you are already in control, but are you? Do you know, without looking, how much you spend on food every month for example. Write down your estimated spends first and compare this to your actual spends. I thought I was in control but was surprised at myself!

One tip that I use is taking my budgeted money out of the bank and having it as cash instead. By spending cash instead of card it feels more real. You see the money leaving your purse and how much you’ve got left. This is known as the cash envelope system by Dave Ramsey.

Does it work?

YES. In the 6 months or so that I have been actively budgeting I have cut my expenses by about half. By ‘actively’ I mean looking at my spends at the end of each month and reducing them for next month.

All of this motivated me to spend just £500 on Christmas this year, you can click on my blog to see how I got on!

I’d love to know how you find budgeting and if you’ve got any questions feel free to send them my way!!!

Author Bio: Hi, I’m Hannah, a 27 money and lifestyle blogger from Manchester. My site is focused on how I live my life in a frugal – some may say ‘tight’ – manner. It features some amazing freebies and bargains that I’ve found over time, including a page of live freebie
links so you can get your hands on them to! I also share my money saving tips and tricks that I have discovered through my own personal journey so far, I do work in accounting but have no financial training or expertise! Everything I write is my own personal opinion.
Social Media Links: blog twitter facebook instagram

Six Tips to Relieve School Stress – Just Call Me Jess

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The new school year is right around the corner and almost everyone is excited! Yes summer break is coming to an end, but the year will be filled with new opportunities to learn and make new friends…for most. For some, the new school year can be stressful! There is school supplies, new environment, new teachers/professors, stress if there is difficulty learning or reading and the list goes on!

Luckily, I have been there done that, when it comes to the stress associated with school. My anxiety would increase as the time got closer and would skyrocket the day before, “is my outfit right”, “what if I didn’t prepare enough”, “what if no one talks to me and I don’t make any friends”, and etc. As I would sit to take a test, I would begin to panic and often have to go outside of the classroom to catch my breath. Eventually, I began taking my classes outside and away from other classmates.

Stress is your body’s response to a challenge or demand. When you do not address the stress, it can begin to affect many aspects of your life, body and mind. Stress can often cause bodily effects such as headaches, insomnia, muscle tension, over eating or loss of appetite, and body aches. It can emotional cause you to have anxiety, lose focus, lack motivation, be easily frustrated or irritated, or even become depressed. When you are stressed you are more likely to use substances to cope, have angry outbursts, isolate yourself and have a decrease in participation in activities you once found pleasurable.

Throughout my experiences with stress, I learned many tips and tricks to decrease stress and rationalize my thoughts.

  1. Identify Your Stressor. If you walk into school/class and you begin to tense or you begin to have negative emotions identify where that comes from. Stressors can be anything and frankly that’s what makes them hard to identify. This is why it is important to have an effective self care and mindfulness routine so that you can identify your body’s responses to outside stimuli. Your body and mind will tell you that “this is not a safe place” or a “this is not comforting”.  Is it the subject, teacher or assignment you forgot to do? Once you identify the stressor it is easier to…
  2. Eliminate the Stressor. School can be a stressor in and of itself. The pressure to do well and achieve adequate grades will stress you out! Now add, family pressures, obligations, work, friends, relationships, bills, assignments, deadlines, extracurriculars…have I caused your heart rate to increase yet? Unfortunately some stressors we cannot eliminate but for the things we can impact, find alternatives.
  3. Breathing Techniques. I know, how cliche’! But seriously, taking slow breaths in and out will allow oxygen to get to the brain, your heart rate to slow and relaxes your body. Breathing in for 10 seconds, holding, and releasing for 10 seconds will allow you to make better decisions and become in tune with your body and what it needs.
  4. Exercise.The benefits of exercise are endless! Exercising is a mindfulness technique used to reduce stress, develop a healthy lifestyle and allow excess energy to be released. A simple 30 minute workout could reduce your stress and allow you to think clearly about decisions and what you need to do to have a successful day (this is why it is normally recommended in the mornings).
  5. Take A Mental Health Day. The brain is the most important organ in the body and yet we care for it the least. Stress can lead to many physical symptoms but also mental symptoms. I often see patients that have developed Anxiety Disorder or Major Depressive Disorder due to stress. How? If you continuously stress about your grades in school to the extent that you sacrifice your sleep or rarely eat you will get physically sick. You will also (eventually) burn out, lash out, fall out due to stress, lack of sleep and poor diet. Now there are no social supports, because you have isolated or pushed them away due to your emotional response to stress and you are not succeeding in school because you have burned out and fell out due to exhaustion. What is not advertised in school is taking time to care for your mental health. You will not give your best self if you are not caring for yourself.
  6. Seek Help. Speak to your teachers, counselor, family and friends about what is going on and how they can support you. I often suggest  individuals disclose their stressors to their support system in hopes that they can help combat them. If the stressor is one you cannot avoid, develop a plan with your support system so that they know how to be there for you during that time. If you need to be told to rest, eat, sleep, bathe, meditate, journal, listen to music, etc. let them know that. They cannot help you unless you tell them.

Good luck on your new school year! I know it will be everything you wish for and then some. Remember to implement these tips and stay positive!

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Hi I am Jessica, founder of Just Call Me Jess, a mental health blog that seeks to reduce stigma by normalizing the conversation surrounding it. I am a Licensed Master Level Social Worker with experience working with adults with severe, persistent mental illnesses and substance use.

Check out my blog for a FREE Weekly Self Care Calendar!

Follow me at www.twitter.com/just_jess_18 or www.pinterest.com/callmejess7

Drugstore Finds to Cure your Holiday Anxiety – Eve Tawfick

A special guest posting for this Thursday before Christmas with a small curated list of easy drugstore finds to help calm your stress and anxiety during the holiday season. Fitting, I think, as Christmas is only a few days away and families are scrambling to get together. Thanks Eve for taking the time to write this little piece for my readers to enjoy!

Hello everyone – My name is Eve and I’m from Downham Market UK. I’m a blogger, media student and freelance writer, while also a single mother of two! My aim is to reduce social stigma and empower single mothers across the globe.

Nothing spells anxiety greater than the impending doom of turkey basters, tangled Christmas lights and spending time with your drunk Uncle Phil. The need to socialize, sing and spend money has many of us reaching for the mulled wine in terror-and seeking refuge under the nearest duvet.

However, the onset of seasonal anxiety doesn’t mean you have to go running to the nearest acupuncturist, or seeking pharmaceutical help. There are some natural, cost effective ways to turn your home into a high-quality Christmas spa.

So grab your nearest mulberry scented candle and get comfy-here are some time-tested ways to kick the ass of party panic, gift jitters and tinsel related hyperventilation.

Neroli Essential Oil(Orange Blossom)

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Neroli happens to be the essential oil with science on it’s side. Boffins have concluded that a few drops in a bubble bath or neroli infused products increase serotonin (natures happy chemical) production in the brain. It’s commonly used as a remedy for both depression and anxiety. Not to mention you will smell as fabulous as an orange tree!

Valerian Root Tea

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I can’t praise this ancient anxiety cure enough. You can get ‘raw’ valerian root from most health food stores. Simply steep the root in boiled water for fifteen minutes and drink before bed. When I first tried this I genuinely felt kind of ‘high’ and sank into a glorious sleep.

CBD/Hemp Oil

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This one takes longer to dissipate anxiety, however once established can take you from a worrying wreck to surfer dude cool. I vape, so that’s how I take CBD, however a lot of stores sell the oil to take orally. Warning: It tastes like mold.

Epsom Salt Baths

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The one Granny told you to do, yes salt baths are making a comeback. Pour a generous amount into a bath and sink into the salty goodness. Clears the body of anxiety causing toxins – creating a ‘cleansing effect’ throughout.

EFT Therapy

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This one you can do on your own, or with a licensed therapist. By tapping acupressure points throughout the body and focusing on your anxiety- the therapy has been known to work wonders. Click here for a great website to learn more about EFT Therapy.

For parenting, lifestyle and dating tips please check out my website.  A big thank you to Koral for letting me guest blog and Merry Christmas!!

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Eight Ways to Manage Holiday Stress – Erin Misenar

Hello Friends.  Let me introduce myself. My name is Erin Misenar.  I am a life coach, a former educator, and a single mom of four kids.  I enjoy watching my kids compete in sports and a nice scented candle.  I love to share easier ways to get through life.  I blog over at www.erinmisenar.com and my instagram handle is @4monkeysss.  Here’s to a great new season ahead!

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The holidays have a large amount of stress.  Whether it is worry, overeating, being tired, not sleeping, or mood swings – everyone has some amount of stress.  We need to manage this stress in a way that we can control.  So, here are some great ideas in order to make this the best holiday season yet!

Realistic Expectations Our culture makes the holiday season into a joyous occasion.  However, sometimes it doesn’t feel that way.  The holidays shows (and I admit I am a Hallmark movie junkie) portray an illusion that is not real life.  Go into the season with an expectation that it will fulfill.  If you think this is a bad year because of loss of love, or sadness, don’t think this will be the best year you have.  Be kind to yourself and the idea of what the holiday brings.  It is ok if you just survive this time of year.

Do not do more than you can handle You do not have to be the one in charge.  You do not have to be the one who cooks 3 dozen cookies.  You don’t have to give gifts to everyone you have ever met.  If you can’t bring yourself to decorate over the top – do not do it!  Don’t volunteer for everything this season.  Take care to only do what you think is appropriate.  Saying no is really saying yes to yourself and your sanity.  I like to answer, “No thanks. I’m sure someone else would love the opportunity.”  You do not have to give an explanation to anyone about your choices.  You control you.

Make a List of What is Important If you take the time to make a list of what you want to accomplish this holiday season – do that and stick to the list.  This list should not be one that overwhelms you. If it contains only a few items of what you need to do – stick to that.

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Don’t Compare It is so difficult to compare your life to those around you – especially with all the social media.  Do not compare your life to someone else’s.  You never know what they are experiencing on a daily basis.  Don’t feel bad because the photos seem perfect – the fact is that is not how life is. Life is messy.

Spread some cheer If you have the time, it is a great time to volunteer. Or mail a letter to a friend who helped you.  Drop off a small gift to a surprise house.  Donate a toy to the children’s hospital. Drop off cat food at your local shelter.  Do what is easy but it will make you feel better.  I love anonymous donations.  Or pay for the car behind you in a drive thru.  Or just smile at those around you. Smiling will already make you feel better. Spread love all around you.

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Support If you need support, get it.  There is no shame in talking to someone – whether it is a counselor or life coach or friend.  Talk to someone and get the understanding and compassion for what you need.  Take care of yourself.

Make Time for Yourself You know I mentioned Hallmark movies earlier? I love them and usually watch them in my alone time for the holidays.  Take a bath or take a walk on your own.  Do what makes you happy and plan for that time.  Being divorced, I have more alone time than I usually want – but I fill that in on things that I enjoy.  Get a manicure if it makes you feel better.

Create New Memories If it is a new season in your life – maybe you want to create a different memories. Some old memories are sad.  So, start a new one.  Start a hot chocolate and talk event.  Go caroling.  Go out and see Christmas lights and vote on which you like best – we like to leave a gift of a chocolate bar and a note – you are the winner of the lights! – for fun.  Go enjoy something new.

Here’s to the Best Holiday Season Yet!!!

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Big thank you to Erin for sending over this blog for me to feature about holiday stress! It’s always great working with new people and helping each other out, especially around this time of year. Look for my blog featured on hers as well about your Sunday Morning Classic Rock Playlist. If interested in guest blogging in the future with me, please email me on my contact me page, or visit my Instagram and send me a DM. Thanks!

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