The new year can be stressful for many reasons: the children are out of routine, you have to go back to work after spending time with your family and friends, and money can be tight. Although this time of year can be stressful, there are things you can do to help manage this stress and start the year without worry.
Do What You Can
Whether you have made New Year resolutions to manage your money better, lose weight, or spend more time outside, having resolutions can make things more stressful. By putting pressure on yourself to make a lot of changes at the start of the year, you can end up burnt out and feeling like you are losing control.
If you want to lose weight, fantastic, do it in manageable steps. If you want to spend more time outside, do so, but do not expect everything to change overnight, or you will end up feeling more frustrated and stressed that you are in the house due to the weather and cannot get out.
Managing your money is something you can do at any time, but again, by making small, realistic goals, you can reduce the stress this resolution can lead to.
When changing your goals for the year, remember you have the whole year. You do not need to change everything overnight; if you choose to make resolutions, make them year-long and not things that have to start immediately.
Money?
When we talk about money, we already know that finances can be tight at the start of the year. You may have spent a lot of money on Christmas, regardless of whether this is on Christmas gifts, nights out, or days out as a family.
More money is spent in December than any other month. The amount spent in December can lead to stress in January, which always feels much longer due to getting paid early and waiting longer for your next pay.
Getting through January can feel like a chore that never ends, but it does not need to feel this way. You can get through the month by budgeting what you have. If you want to spend the time, you can write out your finances, what you have, and what you need to pay out, then work out how much you have left over.
If this is not going to be enough, you have options. You can look for a payday loan company by visiting sites like my-quickloan.co.uk/same-day-loans, where you can fill out an application for a same-day loan to help you in the short term.
It is important to remember that when doing this, only borrow what you need and can pay back. These types of loans are meant for the short term. Do not worry if you have poor credit, as you may find a lot of different payday same-day loan companies can still help you.
Summary
Starting the year and worrying about everything at once can be stressful. Break down and work out what you can take on now and what can wait. You do not have to do everything in the first month of the year. You also do not need to struggle if you find your finances are low.
