Self-care or taking care of yourself isn’t just a trendy term. It plays an important role in the real world and also in all parts of your life. Generally, we have a concept in our mind that doing self-care is nothing but a way to look after our mental and emotional health. But the concept is much wider than that. Doing self-care may include mental, physical, and financial well being.
To maintain good financial health you’ll also need a strong self-care routine just like mental or physical health care. When you are dealing with financial matters, then you have to consider your financial situation and spend some time to devote your mental energy. This is how you can make your money work.
But it is not as easy as it sounds. Then, what do you need to do? Let’s find out in the discussion below.
Steps to follow when you want to save money while doing self-care:
Exercising is important for taking care of your health and it’s an effective money saving tip. It’s one of the most important things to follow in your daily life. During exercise your body produces endorphins. This hormone helps your mind to fight against mental illness. Doing regular exercises may keep your body healthy and recharge your mind. to get an expensive gym membership for that! To get physically fit you just need a good pair of sneakers, a pair of comfortable clothes for exercise, and a path on which you can run or walk every day. This way you can save a good amount of your gym membership fees. You may also buy old gym stuff such as dumbbells, barbells, chest expander, and other kits at a cheaper price.
2. Proper resting
Another basic requirement of self-care is to take rest properly. This means you need to get enough sleep at night, and practically also take days off if required. Just taking a day off can give you proper rest to boost your mental and physical health. You will find yourself more energetic and productive after you return to work with a fresh mind after a day off.If you have more energy to perform above your daily work, you may engage yourself in some side hustles to earn more than your regular income.
Taking proper rest may save you money too. How? Let me explain.
You can decide or make choices better when your mind is calm and focused. It only happens when you are well-rested. As per a study governed by Harvard University, daily at least eight hours of sleep can reduce your risk of chronic health issues. Health problems are proven expensive, which might push you straight into debt. So, taking proper rest is practically an easy way to save money and avoid debt.
3. Budgeting and scheduling for shopping
If you like clothes, then you may consider shopping as a part of self-care. However, you must know that shopping as self-care can be the opposite of actual self-care if you’re doing it wrong. Too much shopping can ruin your financial self-care habits.
There are times in your life when spending a bit more on the things you like may seem justified. But spending too much on non-necessities is wrong if you have a tight budget. You must create and follow a budget while buying clothes. Not only budgeting, but you must also prepare a detailed plan of what you want to buy, where you want to buy, and when you want to buy.
Using credit cards while shopping can be risky for you if you do not maintain the limit. It is better if you can use cash instead of credit cards while shopping. Cash will be a limited resource to make payments while shopping, so you can control your spending urges if you use cash. If you are currently running on a low-income profile, it will be a good option to save money from salary.
4. Meal planning and scheduling
If you like homemade food, you might consider a cooked meal as a way of self-care. Taking good care for yourself can be quite easier if you eat healthy, homemade food. For this, you must prepare a weekly or monthly grocery shopping list so that you can buy what you need to make a great meal.
You may list your groceries considering your weekly meal plan. Keep a chalkboard on the refrigerator and write down what we’re going to cook for a week. This way you may adjust or change your meal plan at any point in time. Normally, planning can help you buy things in bulk and save you money.
5. Visualize your goals
Visualization is necessary if you want to motivate yourself and achieve no matter what your goals are. With finances, you may set many big goals, but your day-to-day decisions will make those goals achievable. Just like you start with a goal to live healthy, you must motivate yourself to visualize that goal by maintaining positive healthy habits regularly. Similarly you should also do stuff that can motivate you on self-care goals.
If you prepare a plan to fulfil your financial self-care goals, you can definitely figure out ‘why’ you are doing it and “how to stay on track”. Knowing your goals makes you happier as well as push you to achieve them.
6. Attending library sessions
Visiting the library is one of the most popular self-care activities you could find. Normally, members of a library may donate a few of their books. This way you may get new books every year by giving a nominal membership charge. The best thing about this habit is, you can save all the money you are going to spend on books. You can get books without spending $25 – $30 on hardcover editions. You may visit the library, sit over there for a while and enjoy great creations free; there’s nothing more amazing than that, isn’t it?
7. Get organized, think ahead
Financial self-care might not be possible if you are not organized enough to keep all the documents, passwords, and other numbers and forms related to them safe. On the other hand, you need to organize all your documents in a way so that you can get them easily during emergencies.
It is also important to think ahead. It will be comforting if you can prepare a financial plan not only for today but also for your upcoming days. You can strengthen your financial security by lifting a big weight from your shoulders. Gradually, you may experience a sense of financial freedom that was missing from your life.