The
economy was bad already and with the Covid-19 top-up, things don’t
look good for a long time now. It could take months or even years for
things to get back on track. With pay cuts and even job cuts, it’s
time to introspect, understand and make changes that make sailing
through easy and smooth.
If
you’ve been struggling with the thought as well, here are a few
tips that will help you get things in order.
- Do I really need it?
Ask
yourself whenever you feel the strong urge to buy something. Also,
ask the question before you make a decision that affects your life.
Many a times we end up buying things or doing things because we see
others doing it, and we are too keen to fit in. In fact, that is not
how you fit in, ever. Do what you really want to do in life, buy what
you need – just don’t be carried away by your impulsive reflexes.
A practical way of trying this would be by writing it down. Penning
it down cuts out most of the irrelevant peripheral thoughts and you
focus on the point you need to deliberate on.
- Delay your decision
Now
that you have written the problem down, don’t hurry yourself with
finding solutions. Give it time, say a day. This will give you time
to think from different perspectives, and see things more logically
than emotionally.
- Follow the one-minute rule
Read
‘The Happiness Project’ by Gretchen Rubin? Here’s the take away
from the book – if a task takes less than a minute to do, do it.
Keep things where they belong, hang the coat, reply a text, switch
off the printer, put the lid back on. These mundane tasks keep piling
on and over a period of time, can become overwhelming. Save yourself
the time, effort and money that you will later spend in making things
right.
- More and less
There
are habits you need to nurture, and then there are habits you need
shun.
Take
a little more vegetable in the dinner. One more glass of water, some
more exercise, more fruits.
Lesser
sugar, lesser soda, lesser clothes, lesser screen time, lesser drama,
lesser worrying…
Make
your own ‘More and less’ list.
- Budget
You’ve
probably heard it a zillion times before, but remember, budgeting
actually is an essential step towards sort life and finances. Write
down how much money you have, how much do you spend rent and
utilities, how much on food, how much on socializing and how much can
you spare for savings. If you have the numbers clear in your head,
you will be able to practice self-control when it comes to impulse
buying and reckless spending.
- Organize your calendar
Digital
calendars are a blessing. You can schedule all of it – exercise,
doctor’s appointment, client meet, birthdays, bills etc. The best
part, you’ll get reminders for whatever event you choose to get
reminder of.
- Coupons
Never
underestimate the power of coupons. If you carefully plan and use a
coupon every time you buy something, grocery or fashion, you will
realize that you save a substantial amount. Get your coupons here –
http://www.geoqpons.com/.
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