By Jerry Mooney

The economy might be doing better than it has in recent years – well, definitely better than 2009 – but that doesn’t mean Americans have become a carefree bunch. In fact, we’re more stressed than ever before, and the cause of our stress is our old nemesis: money. Around 65% of adults say they routinely lose sleep because they’re worried about their bank balance. If you class yourself in this bracket, then you don’t have to accept those sleepless nights. By making a few tweaks to how you handle – and think about – your finances, you can make sure you sleep well. Here’s how.


Take Care of Number One

You’ll be getting paid each month for your work, but how much are you really getting paid? People see their salary go into their account, and then straight away use it to pay all their bills and monthly supplies, using whatever is left over for a few evenings of entertainment. You can hardly class this is as ‘being paid’! When your salary goes into your bank account, make sure you’re paying yourself first. That money is to be put away in your savings account, there only for you.

Stop Paying Everyone Else

It is all too easy to get overwhelmed with a number of bills we have to pay. We have so many outgoings that it’s hard to keep track of where all the money is going. But what if just letting all those automatic payments leave your bank account, you reduced the amount of outgoings? If you have you numerous debts, use a site like to consolidate the debts into one payment. Elsewhere, you can interrogate your automatic bank outgoings to see if any payments can be cut out altogether.

Get a Passive Income

A lot of people’s worries stem from a fear that they’d be left with nothing if they lost their job. While this will always have a negative impact, you can lessen its severity by adding another source of income. Should the worst happen, you’d still have some money coming in that can help you pay the bills until you find new work. If you can spend some time with your head in the books, you should be able to figure out the best way to invest your money to get a passive income.

Simplify Your Life

You’ll never have to worry about money if you don’t have anything to spend it on. Once you’ve got the basics of modern living taken care of, ask yourself if you really need the rest of the stuff that you’re spending your hard earned cash on. It might be that you’re worried about not being able to have the things that you don’t even care about.

Remember: It’s a Game You Can Win

Finally, remember that finance is a game you can win. While it’s easy to get bogged down with potential problems, you can always take one step back. Once you do, you’ll see that it’s not so complicated after all!

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