Money self improvement

4 Ways to Be Happier About Your Finances

May 22, 2017
Feeling stressed out about your finances? Here are 4 ways you can feel happier about your finances. Financial Stress | Money Mindset
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When our feelings about money suck, it’s usually because of our current circumstances. I mean, who feels good about not having enough money to pay all their bills or not having nothing left after paying all their bills?

Oddly enough though, feeling good is exactly what we have to do for it to actually get better. We have to feel good when we don’t want to because what we think about, we become. If you’re always looking for bills, they will undoubtedly find their way to you.

However, changing our feelings when we’re in the throes of life isn’t so easy. How do you manage to be happy about your current set of circumstances? How do you silence that inner critic that tells you that this is all there is to life?

Well, it’s possible and while I could talk my head off about the many ways to do this, today we’re just going to focus on four simple ways you can be happier about your finances.

This is important because when we make a conscious choice to feel better about our money despite what’s happening around us, our efforts will actually propel us towards better finances in the long run. So, let’s not delay any longer. Let’s figure out how you can find something to be happy about when it comes to your finances.


Feeling stressed out about your finances? Here are 4 ways you can feel happier about your finances. Financial Stress | Money Mindset


4 Ways to Be Happier About Your Finances


1. Be grateful.

You might have heard this before but the quickest way to improve your circumstances is to be grateful in spite of. If you continue to focus on what you lack, it will be hard to experience anything but lack.

However, when you focus your attention on all the good things that are happening financially and otherwise, you will easily recognize all the good that flows into your life.

Think about it, you’re complaining about not having enough money to pay your electricity this month, but let’s dwell on the fact that you even have electricity. We may not see it as a luxury, but there are people in the world who don’t have electricity.

Having a roof over your head and even just a few dollars in your pocket is something to be grateful about. Keep your mind focused on increase and not whatever it is you’re lacking. And yeah, I know it’s easier said than done for some of you, but if you think being grateful for what you have is hard, it will be. So consider it the easiest thing you can do to feel better about your financial situation.


2. Create better financial goals.

Don’t shoot for anything, create a clear plan. You’re more likely to achieve a goal if you’ve written it down.

I mean, it’s easy to say you want an extra $600 to do x-y-z, but if you don’t have the goal written down and a deadline to complete it, a few months later you’ll be sitting around thinking you are incapable of reaching goals.

Meanwhile, you probably made more than an extra $600, you just don’t know what you did with it because you didn’t have a clear goal and you weren’t tracking your progress.

A good goal should have a timeline, purpose, and a plan. If you want an extra $600, give this extra cash a purpose. Also, create a plan to make the extra $600 and give yourself an end date. Last, make sure you’re measuring your results.

You will be much happier when your date comes to pass and you’ve killed your goal.


3. Be proactive instead of reactive.

Don’t just react and stress out to your financial situation. Be proactive so you can focus your energies on other things that are important to you.

Part of being proactive includes creating a budget, automating savings for unexpected expenses, and having life and disability insurance.

Your budget will help you create a plan to live your life the way you want to live it. If you want to go out to eat, go. Just make sure you budget for it. Your budget is not a punishment.

Your automated savings plan will ensure you’re prepared for car repairs. Instead of calling car repairs emergencies or disasters, start viewing them as planned expenses.

Finally, having life insurance or disability insurance will make sure that you and your family are prepared for things you don’t like to think about. The last thing you want to stress over is how you will cover burial expenses or pay bills if you’re out of work.


4. Forget about what everyone else is doing.

The last thing you can do to be happier about your finances is to stop focusing on what everyone else is doing. So the heck what your neighbors just brought a new car.

They might not be able to afford that car and it could be causing them financial stress. But that ain’t none of our business and best of all, it doesn’t have to be you.

If you focus and plan for the things that YOU want in life, you’ll be much happier. Besides, keeping up with the Jones is so yesterday. There is so much joy in living life how you truly want to live it versus following the crowd.


Wrapping Thangs Up


Happiness means different things for different folks and financial stress messes up our happiness in several ways.

No matter what your current reality is, if you keep telling it like it is, it will stay the way it is. I don’t know about you but that doesn’t sound cool to me. I would rather focus on what I want, be grateful, and all that good stuff before I keep repeating the same ole story.

Have you ever heard of the As a Man Thinketh by James Allen? Check it out and you’ll better understand where I’m coming from. There’s also a good word in the Bible, Proverbs 23:7 that says, “As a man thinketh in his heart, so is he.”

If you want financial peace, focus on financial peace instead of the lack thereof. You want to be debt free, focus on debt freedom instead of the unsurmountable debt you’re in. Thinking about being debt free will help you make better decisions like avoiding new debt and you’ll be able to think of creative ways to pay off your debt.

Stay grateful, create clear goals, be proactive, and forget about everyone else is doing. Those four things are a great start towards becoming happier about your finances. It won’t happen overnight but keep at it.


Are you happy about your finances? Do you focus on how you want your finances to be or do you continue to tell it like it is and get the same results?


Latoya Scott
CFEI/Social Entrepreneur
Latoya Scott is a Certified Financial Education Instructor and personal finance writer with a mission to help millennials learn how to stop living paycheck to paycheck so they can become financially carefree.

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  • Gary @ Super Saving Tips May 22, 2017 at 2:18 am

    I think forgetting what everyone else is doing is the most difficult, but the most rewarding thing you can do to be happier about your finances. Great post.
    Gary @ Super Saving Tips recently posted…How the Bank Begged Me to Take Their Free Money!My Profile

  • Ranesha May 22, 2017 at 6:05 pm

    Great post with simple tips to follow I made my first IRA investment and was excited for a week. Lol

  • Carissa May 22, 2017 at 8:14 pm

    Great Tips!!! Being grateful…I was complaining about having to get car work done but then I had to stop and Thank God we had the money and that it wasn’t more complicated and more money!!
    Carissa recently posted…6 Great Ways to Spend Time with Your ChildrenMy Profile

  • Kita May 23, 2017 at 10:50 am

    I’m happier now that I save and have contingency plans. Definitely, makes me feel less stressed daily.

    • Latoya Scott May 25, 2017 at 2:50 pm

      Yes, we need to be proactive instead of reactive.

  • Kirstin Fuller May 23, 2017 at 11:02 pm

    I have some work to do with my finances. My first step was learning to say ‘NO’ to others. I think being proactive is a great tip! Taking control and being proactive is one of the keys to financial success.

  • Lovely Life Cents May 23, 2017 at 11:17 pm

    Great post, Latoya!!

    I found your blog recently and love what you are doing!

    I especially love the tip on being proactive instead of reactive. I used to get so stressed about my finances to the point where I could barely get anything done. Now, I try to prepare for all situation BEFORE they happen so I am ready for it.

  • Tonia May 24, 2017 at 10:01 am

    Forgetting about what everyone else is doing is definitely to keep to staying happy. Somebody’s wallet is always bigger.
    Tonia recently posted…How to Make a S’mores Jar – The Sweetest Part About My Trip to HersheyMy Profile

  • Aija May 25, 2017 at 10:57 am

    These are all great tips for financial wellness. Especially starting with gratitude! Have to have good energy about your $$!

  • Tione May 25, 2017 at 6:28 pm

    These are some really great tips. Even though I’m not doing too bad with my finances when I reflect on the past I knew that if I had a financial goals things would have turned out better. In the end we live and we learn, so I’m not killing myself. I’m just making progress…
    Tione recently posted…The Little Gifts That Mean A LotMy Profile

  • Kasi May 26, 2017 at 10:55 am

    These are all really great tips! Def a timely reminder as I’m working on mine.

  • LaQuisha May 28, 2017 at 1:40 am

    Great tips! I am grateful but I need to stop worrying about what else is doing.
    LaQuisha recently posted…Gone with the Wind JumperMy Profile

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