Life is already complicated enough. But unfortunately, many of us make it even more complicated. We overload ourselves, which impacts both our physical and mental health. The media makes it seem “normal” to constantly be busy, worried and stressed. But it’s not.
Too much stress can lead to anxiety, high blood pressure, and a host of other symptoms that can make living a challenge. Instead of leading a chaotic life, consider these tips for making your life easier:
1. Put Your Health First
Taking care of your health should be a top priority. That’s because your health impacts everything. Good health means being able to spend time with your friends and family. You’re able to go to work, take care of your family, chase your dreams, and live a long and healthy life.
To maintain good health, you need to consume a diet filled with rich nutrients and whole foods. It’s also important to exercise regularly, drink water, and receive regular checkups. Keep in mind that your physical health isn’t the only thing you should be focusing on. Your mental health is just as important.
For example, while anxiety and depression fall under the mental health category, the symptoms can also wreak havoc on your physical well-being. Manage your stress levels and work with a mental health professional to talk through what’s on your mind. It’s important to make sure you put both physical and mental health first and prioritize self-care.
2. Automate Your Bills
Take some of the stress off your plate and automate your finances. Not only will it save you time, but it’ll keep you from having to remember to pay your bills. Meaning, you won’t accidentally miss a payment and have to deal with the fallout.
Luckily, it’s easy to automate your finances by simply paying providers directly. For instance, let’s say you want to automate your recurring streaming service bills. To do that, simply login to your account, add your debit card information, and set up automatic withdrawals. You can follow these steps for all of your bills whether it’s your car note, student loan, or credit card.
According to a 2021 study, almost 50 million Americans will miss a credit card payment this year. And while some people miss payments because they don’t have the funds, others simply forget to pay their bills. Automating your bills ensures you never forget to make your payments.
3. Be Less Busy
Does your life often feel stressful and overwhelming? It might be due to your busy schedule. And while you’re probably saying, “Well, I can’t change my schedule,” you’re wrong. There are always things you can do to make your schedule less chaotic.
Take a look at your calendar for the next couple of weeks. Are there any commitments you’ve made that aren’t conducive to your schedule? For instance, maybe you planned to grab drinks with your friend on a day that’s filled with meetings for work. Consider rescheduling to a day when you’re less busy.
Chances are, you could find additional ways to help you streamline your days. You could wake up earlier so you have more time in the morning. You could take public transportation to work and use your travel time to get ahead of your day. Or you could pick out your clothes the night before, saving you the headache the next morning.
Finding small ways to help you feel less busy during the day will make your life easier. Just remember, there’s nothing wrong with saying no or scheduling time during the day for that’s just for you.
4. Create a Budget
While people hate to admit it, money is a necessity. We need it for everything, and that’s exactly why money causes so much stress. But the truth is, money isn’t the problem — it’s how we manage it. If you’re struggling to pay your bills, reduce debt, or save money, you might want to consider creating a budget.
To start budgeting, first go over your finances. We recommend looking back at the last couple of months to determine what your average spending looks like. Write down your income, your expenses, and then create a realistic budget based on your needs and wants.
The key to budgeting is staying within your means while also making room in your budget for things you enjoy. A common problem people run into is they underestimate what they’ll need in a budget.
They leave little wiggle room for eating out, going to the movies, and other fun activities. And while you should definitely cut back, you don’t want to cut back too much. After all, well-balanced budgets are easier to follow than overly-restrictive ones.
5. Save Your Money
There are several reasons why people struggle to save money, including having a lack of discipline and little financial know-how. Some people simply forget or choose not to save money. Others don’t save because they aren’t sure how much money they should be saving. Automating your savings takes the guesswork out of saving money.
Many financial experts suggest saving 20% of your income, but that’s just a ballpark figure. You can save as little as 10% or 5% depending on your finances. Before choosing an amount, review your income and expenses over the last month. How much money did you have left over after you paid your bills and essentials? Consider saving all or a portion of that amount.
Once you know how much money you want to put aside, have your bank automatically transfer that amount to your savings account. We recommend having the money withdrawn on payday, so it’s more of a seamless process.
Automating your savings won’t just save you time, it'll also help you save more money. And the best part is you won’t have to think about it. Your savings account will grow without you having to put in the effort.
If you can’t implement all five changes at once, start with one and work your way up. What matters the most is that you try something. And while these changes are small, they can have a big impact on your life if you let them.