ARTICLES MANIAC ? Financial Stress At All Levels

There are several forms of financial stress, because it can stem from your business activities, from your personal situation or your family life. However, basically they all from an inability to pay bills. However, financial stress does not always result from a deficiency of money it can also come from having handled money badly. If you are suffering from financial stress, then maybe we have a couple of pointers that can help.

The first step is to get your paperwork and bill-writing kit organized. This can become as complicated or as easy as you like. You could have an envelope rack hanging somewhere prominently like in the kitchen. (An envelope rack is like what they display newspapers in at a newsagents).

Get yourself a container and put in it pens, paper, your cheque book, envelopes, a calculator and stamps. Decide on a day every week when you will handle bills, say a Sunday evening.

Each time a bill comes in, you should open it and put it in the letter rack. If it does not need your immediate attention, which can happen, over the first month, mark on the outside of the envelope the date you have to post the cheque, say seven days before the due date. Mark your bill-paying days on your calendar.

Create a list of the bills you have paid and strive to keep them grouped together. For example, all your monthly electricity bills on one page, gas on another, mortgage etc. In this manner you will be able to predict what your bill will be next time and the date it will arrive. This will permit you to maintain a fundamental financial plan. Predictability takes some of the stress out of finances, thereby decreasing your financial stress.

If some bills are a bit random, coming in at different times of the month, try writing to the company and asking them if they can consolidate the bills into one monthly bill that will arrive in the week of your choice, normally the first or the fourth week of the month.

In the start, you might have to write a few letters to explain that you have taken your finances in hand but that it might take a few months before you are on top of them. This should stave off any litigation if you have let things slide too far already.

You should find that the degree of your financial stress ought to gradually reduce as you get used to your new financial system and as you see that this system works. One last tip is to pay some bills every time you become paid yourself.

It is worth a couple of months of financial hardship or overtime to reduce your financial stress and get on top of your finances again. Financial stress, like all kinds of stress, is a killer ? don?t let it get to you as well.

Owen Jones, the writer of this article, writes on many topics, but is currently busy with cheap first aid kits. If you have an interest in RC vehicles, please go over to our website now at First Aid Courses Online.

Source: http://articles-maniac.tk/financial-stress-at-all-levels/reference-education/

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