14 February 2013

Paper Stress

There’s no shortage of reasons why people are dizzy with money stress these days. The high unemployment rate, sagging real estate values, and steep gas prices are real issues that we can’t control, but that affect our wallets nonetheless. But it’s important to realize that stress is nothing more than your body’s response to a situation or a series of events.Think about it.
1.Change your language :Though it may sound cliché, keeping a positive attitude and using positive language can reduce your stress response to financial issues in your life.Never say that you can’t increase your income or that you should cut your spending, for instance. Instead, say I want to increase my income or I will cut my spending.

2.Reframe your thinking:How you view your finances and speak about them can change the way you feel about them.In turn, how you feel about your money will strongly influence how you manage it and deal with challenges. Remember that actions are always preceded by thoughts and beliefs.

3.Recognize your power:people tend to get more stressed when they believe a situation is out of their control.That’s why many people get really uncomfortable traveling on an airplane.When it comes to your money, you always have the power to make a difference, so recognize that choices exist for you to improve any financial problem.

4.Focus on the positive:Instead of dwelling on what’s wrong with your finances, think about what you have to be grateful for. Notice what’s going right, make peace with your problems, and decide to learn from your challenges. Many people keep a gratitude journal where they write down a few things that they’re thankful for each day.

5.Stay in the present:Many times financial stress comes from projecting a worse-case scenario into the future. You can exaggerate a situation in your mind to the point that your heart starts pounding and your palms start sweating. Remind yourself that you’re not in the future you’re in the present moment where you have complete control.

6.Reject thoughts of failure:Never believe that a financial challenge is a sign of personal failure or weakness. Whatever your situation, remind yourself that it’s nothing that millions of other people haven’t struggled with.  You and your family can grow stronger by proactively working through your money issues.

7.Take a stress break:Make a conscious decision to do something healthy to take your mind off your stress. Maybe it’s going for a run, enjoying a hobby, watching a movie, listening to music, or doing yoga.

8.Get financial help:Talking to a wise friend, can help you see options and solutions to your financial problems that you might be overlooking.

9.Reduce your debt:If debt is stressing you out, get serious about creating a spending plan so you can free up more discretionary money and pay it off as quickly as possible. Try to keep the total of all your monthly debt obligations below 40% of your gross monthly income.

10.Choose to build wealth:You can reduce stress by purchasing less stuff that you really don’t need and making a commitment to save and invest at least 10% of your income.


8 February 2013

25 bday !

Today is my birthday and i am so so happy .I would like to thank my mum and dad who showed me this world...I love them always and i am blessed to have a lil bro & lil sis...I love you all..

The past 24 years were the best and it has taught me a lot ....

The kid .

Not finding much of time with so much to do at home . Meanwhile , I took a summer painting class at Chennai for a month. Thought of teachin...