How to handle money in 2019

If you have long been puzzled by the state of its budget, you probably learned to perfectly save money, as well as acquainted with the basic principles of investing. But if you gradually lose your motivation, then in January of risk to spend a lot more than usual, until institutions offer season tickets and discounted products. We've put together a few simple tips to help you regain confidence in the contents of her purse, reduce anxiety and cease to consider budgeting dull affair.

Do exercise "Three things,"

How to handle money in 2019

Psychologist Sarah acebedo, president of Financial Therapy Association recommends the following:

At least once a week Name three good things that are happening in your life every day. Write them down, and the way you reacted to them and that has led to.

Studies have shown that this exercise improves overall psychological state and reduces the symptoms of anxiety. Then, in order to trace the financial component, acebedo recommends adding three good financial moment in your list:

We too often focus on the negative, especially on the money. Recognition of good things, even if they are very small - eg resistance to impulsive purchases - it is very important for the development of habits in the long term

The main purpose of this exercise is to teach yourself to pay more attention to the link between spending money and your mood.

Try to temporarily change your habits

How to handle money in 2019

If you are usually just a card you use, try to change their habits and switch to another method of calculation. For example, to distribute their salary into four pieces and laid it on the envelopes. Earlier this week, take one of the envelopes, and use only cash. You can try another method: create a separate account, translated into his part of the money, which can not be touched until the middle of the month, and try not to go beyond the remaining amount. Pay attention to how this will affect your behavior - whether you have time to count the spending? And how often do you come into a mobile app, to add a bit of money on main account?

If you hate talking about money - try to bargain in the market, or to declare the leadership that has long deserved promotion. The basic idea of ​​this method is to try something new and shake their routine habits.

Get rid of unnecessary

Close all credit cards and put them out of the bag, to avoid unnecessary temptation to use them. Stop using credit cards, which give shops rather than banks choose only one most favorable score.

Pay attention to the subscriptions that you have decorated - it often do you use Netflix or Yandex. Music to regularly pay for them? Perhaps you it's time to abandon the Microsoft Word version of the paid services and the use of online applications, and stop buying magazines.

Find a buddy-partner

How to handle money in 2019

Find a man with whom it will be easy to talk about finances: it could be a family member and close friend, or even a distant acquaintance, with whom you discussed a lot on the forums a few years ago. According to a study in 2016, conducted by LearnVest, 74 percent of respondents are more likely to stick to a financial decision if would discuss it with others. Pay attention to what you do not need a special mentor or a person who has a lot more money than you. A recent study showed that people with low financial skills to learn and improve more if you seek advice from peers with the same level of financial knowledge.

Visualize

How to handle money in 2019

Dr. Brad Klontz, co-founder of the Institute of Fiscal psychology and professor Heyderskogo Creighton University College of Business, recommends the following steps:

  • identified three main financial goals;
  • Purchase Whatman paper or plastic board, glue, scissors, and art supplies. Visualize this purpose - you can also use the printed photographs or magazine clippings.
  • hang the poster where you will see it every day, for example in front of his desk or in the kitchen. Take a picture of it and set as wallpaper on your phone.

In the past year we have studied people in five different cities, who did it, and the savings rate increased by 73 percent - no kidding.

- Dr. Klontz

This simple method will help you not only to focus on the future purposes for which it is worth spending some time, but let not forget the monthly need to replenish the treasury.

And what new financial habits you developed?