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Ways to Make Money and Avoid Job Stress

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

One of the most stressful problems you can face is not making enough money.  Often the stress that comes from your job is a result of working hard and still feeling like you don’t have enough to make ends meet.  If that’s your situation, you may need to find ways to supplement your income so that you can make enough without having to ditch your full-time job completely.

There are several ways you can make money from your own home.  These flexible options will allow you to work in whatever free time you have and can realistically help you to increase your income and reduce your stress.   And you can find something that will work with whatever skills you have to offer.

One way you can make extra money is to provide services to people.  You can be a virtual assistant meaning that you provide a service without actually reporting to an office.  

For example, you can perform data entry, graphic design, website development, and even ghost writing.  Whatever skills you have can be sold online.  Services such as Elance provide you with a place to market your skills and bid on jobs.

In addition to providing services, you can also make money with affiliate marketing programs.  This means that you help to market and sell other people’s products. In exchange you get a percentage of the profits from each sale.  This is a way to make money without having to develop your own product.

If you’re interested in developing your own product – either something tangible or a digital download – you can go into info product sales.  This is where you create your own product and sell it online.  It can be an actual concrete product, or it can be something like an eBook that can be downloaded and read by the consumer.  

If you want to make money online, there are many people who offer expertise and guidance.  Many of them are willing to help mentor you at little or no cost.  While you’ll need to make sure you have a good internet connection and a computer that can run the appropriate software, you probably won’t have to invest very much money to get started.

When you’re feeling financial stress because of a limited income, you’ll want to find ways to work from home and make money.  Working online can give you the freedom and flexibility you need to improve your financial outlook.

Keep Your Money Safe and Avoid Stress

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

During a period of economic instability, it’s hard to know where you should keep your money.  And when you lose your hard-earned dollars on unsafe investments, your stress levels can soar.  But you can find ways to invest, even in today’s world, that will keep your money safe and still offer you the chance to grow your wealth.

The stock market can be stressful.  It moves up and down – sometimes at an alarming rate.  So the stock market isn’t the place to put money that you want to use in the next few years.  If you’re close to retirement age, it’s not the best way to secure your future.  Instead, you should only invest in the stock market if you’re in for the long haul.

In the stock market, there’s always going to be a rebound at some point.  If you’re investing for 20 years, you can be sure that at some point the market will improve and you’ll get a return on your money.  However, you’ll need to carefully manage your money in the stock market.  You’ll also need to diversify your investments to that you don’t only invest in the stock market.

Money market accounts offer a way to diversify your involvement in the stock market.  They’re managed by financial experts who know which stocks to keep and which ones to let go.  You don’t have to invest as much money – you can invest as little as $25 a month – and you begin to build wealth.  But even money market accounts will take a hit in a stock market crash.

More stable investments include bonds and CDs.  They don’t yield as high of a rate of return.  You may not make as much money from your principle investment as you would in a stock market trade.  However, these can alleviate stress because you have a guaranteed interest rate and return on your investment.

They key to building wealth without creating stress is to put your money in a variety of investments.  This will mean that you don’t count on one source of income to build wealth and that if the stock market tumbles, you haven’t lost everything.  Some of the greatest stress comes from putting all your eggs in one basket and having nothing when one stock falls.

You’re never too young to invest.  If you have a little extra to invest, now is the time.  You can purchase stock at rock bottom prices.  And if you can stick with it for the long haul, you have the potential of making a lot of money.  However, if you’re close to retirement it’s time to put your money in a more stable investment.  You want to make sure you keep your money safe for your future.

Stress Coping When Money Concerns Begin to Grow

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

Coping with stress can be difficult no matter what it is that’s giving you grief.  But money concerns can be some of the hardest to overcome.  If you’re going through some type of financial crisis, you need to learn some coping skills so that you won’t be overwhelmed by the feelings that often come with financial difficulties.

Learning a few things you can do to help relieve stress can help you to cope with your money concerns until you can solve the problem more permanently.  First, you may want to talk about your problems with a trusted friend or family member.  

Anyone you feel you can share your problems with will work.  Even if you don’t solve your problems, you’ll relieve some of the stress that’s mounting.  However, talking to a friend can often help you to come up with solutions you might not have thought of on your own.

Keep your schedule consistent.  Sometimes stress causes you to stay up later than usual and miss sleep.  It can also cause you to have irregular sleep patterns like sleeping all day to avoid stress.  

It’s important when you’re going through a tough time that you keep your schedule consistent.  Go to bed at a decent hour and get up about eight hours later.  Resist the urge to sleep too much.

Prepare to take action.  For many people, stress can feel so overwhelming that it makes it difficult to really address the problem.  Get out a piece of paper, make a list of your problems and possible solutions, and then take action.  This is the best way to relieve problems before they get worse.

Don’t be afraid to express emotions.  For many people stress causes feelings of anger or sadness. If you need to have a good cry, just do it.  Give yourself permission to feel your emotions and then you can pick yourself up and keep going.

Face your problems.  When you’re overwhelmed by stress, it may seem easier just to forget about it and do something else.  And while that may make you feel better in the short-term, it allows your problems to continue to grow.  

Instead, take action so that you can resolve your situation instead of waiting for it to get even bigger. Stress coping is an important skill.  When you’re able to deal with the things in your life that are causing problems, you’ll have a happier, healthier life.

Economic Collapse Sends Consumers Searching for Stress Tips

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

Every day the news seems to get worse.  One more company is declaring bankruptcy while another is desperately seeking bailout funds from the government.  With all of these companies going under and prices for products soaring, many feel an economic disaster is impending.

The economic collapse has left many feeling major stress.  This stress has manifested as depression, fatigue, headaches, and even increased problems with cancer and heart disease.  As a result, many people are searching for stress tips to manage their current circumstances and their stress.  You may find that you are one of these people.

People are turning to all sorts of venues to find stress help.  Internet searches for stress tips are higher than ever.  It’s important when looking for stress help from online sources that you use reputable sources.  Make sure you look to national organizations, university publications, and government sources for your health information.  Don’t rely on old wives’ tales or urban legends.

Reliable stress help can also be found in publications such as books published by accomplished experts in the field of stress management.  If one technique doesn’t work for you, another may be just what you’re looking for.

If you’re looking for stress tips, you may also want to try talking to someone at your local hospital or health department.  Many agencies offer stress management classes for the general public.  These classes are often free, but may have a small cost associated with them.

Another source for stress tips is a private counselor.  While there are many sources for stress tips, you may have a unique situation that requires personalized, customized help.  In that case you may want to talk to a therapist.  Getting individual help can keep you from suffering the chronic effects of ongoing stress.

In today’s economy, you’re not alone if you’re feeling stressed.  The economic collapse has meant that many people are suffering from stress and don’t know how to get help.  You are joining the crowd of consumers who are searching for stress tips.  The main thing it’s important to remember is that the economic collapse is a real problem and is affecting many.  However, it’s a temporary problem and eventually things will return to a better state.  

Until then, you need to get as much information as possible to cope with your stress.  There are many resources that offer helpful advice.  That advice could save you a lot of trouble by allowing you to control stress now and fend off harmful health effects.

Unemployment Results in Significant Money Stress

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

In today’s economy, you can hardly turn on the news without hearing about another company threatening layoffs.  Unemployment is becoming a bigger problem than ever as unemployment rates rise nationwide.  If you or your spouse have lost your job recently, you know that it can cause a significant money stress for your household.

When you’ve lost a job, there are many things you need to do to keep from going under financially.  The very first thing is to find out what kind of severance benefits will be available from your company.  Not all companies will offer a severance, but if you’re lucky enough to work for a company that does, you need to find out exactly what they will be offering to you.

Find out if the severance package includes an extension of health benefits and other types of insurance benefits.  You should also find out if you’re going to receive a lump sum or extended payments.  This will help you to make a decision about what to do next in your situation.

Next, you’ll need to talk to your local unemployment office.  The phone lines for these places are usually very busy and you may find yourself on hold for a long time.  Take advantage of online claims you can file at the websites for state unemployment offices.  You may even want to go in person if you have a question.

You also need to decide how you’ll spend your time.  For some people a job loss provides an opportunity to go back for more job training.  It can also give you the chance to find a job you like better or that fits with your skills.  Many people stay in a position for years when their skills and qualifications afford them better work.  In this situation, a layoff can be a blessing in disguise.

If you haven’t lost your job yet, but you think it could happen in the near future, it’s time to start preparing your household.  Begin eliminating unnecessary expenses from your budget and put those funds aside.  Just having a small emergency fund can help to supplement an income loss.  

Start looking for a new job before you lose the one you have.  It can sometimes take weeks or months to get a new job and you need to prepare early for the possibility of a job loss.  Get your resume polished and start looking online to see what’s available in your area.  You should also begin networking with everyone you know to see what possibilities are available.

Stress Management for Money Concerns

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

When it comes to stress from money problems, it’s important not to ignore your issues.  Stress can cause problems with your health and your relationships.  It can also make it difficult to get back on your feet when stress gets out of control.

For money stress, you’ll need to address the problem in two ways.  First you want to take control of your finances and work to actively improve your money situation.  Second, you’ll want to directly address the physical and mental symptoms from stress.

The first part of your plan should include ways to bring money into your household and ways that you can cut expenses.  There are several strategies that will really improve the way you manage your finances.  And simply taking control will reduce your stress a great deal.

The first thing you should do is track your expenses.  Write down everything you spend for two weeks to a month.  Then you can look at where your money is actually going.  Even if you spend fifty cents on something, write it down.  

As you go through your log, you’ll see where you’ve spent money on things you really didn’t need.  You can also reduce your expenses by cancelling magazine subscriptions, cable subscriptions, and reducing your cell phone plan to accommodate a smaller budget.

Planting a garden can also help cut down on expenses from grocery items.  The average garden will return 25 times the amount of money you spend to create and manage it.  That means if you spend $100 on your garden, you’ll grow about $2500 worth of produce.  That can save your family quite a bit of money on your food budget.

It’s also important to consider ways you can bring more income into your household.  You may want to take on a part-time job to enhance what you make.  Business opportunities such as internet marketing can provide income streams that can be made by working at home.  And when you work from home, you also save money on fuel and other transportation costs.

You may also want to take some time to improve your job skills with classes and training workshops.  Enhancing your education can help you to make more money at your current job or prepare you for a better paying career.  

When money stress can’t be resolved immediately, it’s important to use stress management techniques such as exercise, meditation, stretching, and deep breathing to help combat the pressure you’re feeling.  You can also work on a hobby you enjoy or even relax by taking a hot bath, reading a good book, and just taking a break from the stress of your life.

Economy News Can Cause an Adverse Stress Reaction

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

If you’re a TV news junkie, you’ve no doubt been inundated with news about the economy.  For some people this news is important, but doesn’t cause a lot of problems.  But for others, economy news can cause an adverse stress reaction.  You may be feeling depressed, anxious, and overwhelmed by the news.  

When those feelings come, you may need to take action to handle them.  First you need to decide what’s exactly causing your stress.  If you’re not in the position of losing a job or even a home, you may be confused by your feelings of stress when it comes to the economic problems of today.  It may be that you are simply feeling anxiety because of the uncertainty of today’s world.

If you’re spending a lot of your day absorbing the news both directly or indirectly, you may need to curb your news consumption.  While you may be reading papers and watching cable news channels all day every day, it’s probably not good for your stress levels.  Listening to bad economic news over and over again can affect you negatively even if you’re not personally affected by it.

It may be time to turn off the news or put down that paper.  If you need to know the daily news, commit to watching it for a specific amount of time and then doing something else with your time.  

That may mean you need to switch to listening to relaxing music instead of talk radio while you’re at work.  You may need to read the paper before you get to work and then leave it at home.  This will keep you from being so consumed by it.

If you’re directly impacted by the nature of the global economy, you may be feeling stress from the constant economic news.  This stress is even more difficult because what happens will affect you’re livelihood and your lifestyle.  

In this case, it’s important to stay informed so that you’re not caught by surprise, but don’t become consumed by things.  Instead, take action to prepare your household for tough times.

The economy seems very unstable right now and it can be difficult news to take.  It’s important to remember that this is only a downward cycle and that time will improve the economic situation around the globe.  You’re not alone in your stress, but you need to take steps to keep it from ruling your life.

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Will the Future Economy Reduce Stress?

NOTE:  This is a part of a new series of articles about money and stress, which has been a big concern for readers here.  For more help on the subject of bringing more money into your life, using the Law of Attraction and EFT, read 10-Day Money Makeover.

When it comes to the economy, you may feel like we’re destined to have problems for the rest of your lifetime.  However, the truth is that the economy is a cycle.  Right now, the global economy is in a downward pattern, but that doesn’t mean that it will remain so forever.

In fact, you don’t have to look to far back to see that the economy tends to rise and fall in a cyclical pattern.  Probably the greatest time in history that this is reflected was the Great Depression that happened in the 1920s.  While people were struggling and the stock market crashed, this wasn’t a permanent condition.  And by the time World War II came in the 1940s, the economy was beginning to recover.

The same is true for the problems of today.  While it may seem like we won’t recover from this crisis, the truth is that the economy is in a cycle.  Things will get better and you’ll be able to improve your current situation.  

Sometimes promises of a better future aren’t enough to cope with the stress of today.  If you’re feeling downhearted and overwhelmed by the current economic conditions, you can seek help.  Make a financial plan to protect you and your family from what’s happening right now.

And if you’re in the middle of a cycle of unemployment, major debt, or another type of economic crisis, you must deal with it head-on.  If you don’t, your stress will only get bigger and your problems will increase.  Remember that no matter how bad things seem right now, they will get better if you take control. If you’re not in the middle of a major crisis, now is the time to prepare so that you can prevent problems later.  

Work to get out of debt and put more money into savings.  Invest in ways that are safe and won’t be affected by large swings in the economy – especially if you’ll need to get money out of those investments in the near future.  When you get out of debt, you improve the likelihood that you’ll be able to stay above water until the economy turns around.

And when the economy turns around – because it will – you need to continue to stay out of debt and live within your means.  Sometimes an economic improvement motivates people to get back into debt.  Remember not to repeat mistakes from the past so that you can continue to have wealth and not financial stress.