How to Avoid "money problems". Attitude, Communication and Compartmentalization. Hope and Dreams. C.A.C.H.E.
Speak and listen.
The simple acronym will help immensely.
Besides it has very fun synonym for cash. A cache is a place we store up things for later. But we are not speaking of storing up cash. C.A.C.H.E. stands for Communication, Attitude, Compartmentalization, Help and Enjoy.
We all face a shortage of money from time to time. That just makes sense. But matters become "money problems" when we deal with that fact poorly.
Let us get two issues cleaned up right from the start. Money problems do not occur from spending too much and they do not come from making too little. Those are not problems and not the cause of problems. Strange as it may sound, other than folks with true disorders or disabilities, people do not get into trouble with money from spending to much or not making enough.
So let us look here from a positive angle what it is that we can do to avoid "money problems". Let us look into the reality. Money is really not the issue unless we let it be. We truly are not made to be for money and money is really meant for Caesar (or what we now call the government). Think about it most of us can go without touching money for a month and yet eat and drink and have a roof over our heads.
Be truthful here.
Do you have money problems?
Yes this simple notion of sharing information resolves many issues with money. Be honest. Yes we mean be honest with lenders and spouses and partners and bosses. If it is universal that we all have shortages of money then we all share that common bond. It is a plus not a negative. No reasonable or even unreasonable person wants to see you not pay your bills and have what you need.
(a common strange notion is that a loan shark will break legs. That is silly, why would they disable someone from paying their money back? And if you buy into that Hollywood scene of making a statement -- forget about it, now a good beating or threatening others --- not so far fetched. I only use this to illustrate the point.)
And here is an excellent side effect from communication. The folks you talk to probably have been there and done that and will have some advice. And that is good.
How can anyone stress enough the importance of partners of any sort having open communication when it comes to money. Oh do not get this wrong here partners should have stashes or caches but that is minor percentages. Values and planning must be discussed in order that a good plan can be designed and followed.
Some have big problems, ours get smaller. Sam Stone.
Money or lack thereof is not intrinsically evil or good. It requires that we put our attitude on it. Did you know that some people love to spend money and others hate to spend money? Of course we all know that. And we also all know that it does not make a difference how much you have. We know a woman, all of us, that loves to spend on her child but hates to spend on bills. Every bill is agonized over but the same money amount is spent on a whim on her child and causes her delight.
Well friends that is a choice. Don't we just love charity junkies, rich or poor it hardly matters. And how about our buddies who tip every waitress the same? What? Some are good and some are bad.
That should lay out attitude. And we should go back to the start and communicate that attitude. Maybe an attitude adjustment is in order.
Take a look, who is boss?
Nobody should be thinking of money more than an hour a day. And nobody should start or end a day with that on their mind. That is lunacy. It just makes no sense to do that. If you have so much that you think of that before going to sleep we probably should suggest you seek some counseling.
And if you have so little that you cannot sleep, the see a bankruptcy lawyer first thing tomorrow.
And that brings us to the next portion.
This guy worried about money. And how it harms us.
Get help with money issues. Do not act like you are so smart you do not need it. And don't be so proud that you cannot ask for money help when you need it. Have you ever leant money to a friend when you had it and they did not? No better feeling in the world.
Neither lender or borrower be is a load of crock. Help when you can and ask for it when you need it.
You already are going to communicate your status, have a good attitude, compartmentalize the issues and so helping or accepting help is right on.
He just loves a dollar to buy race cars at the dollar store.
The author is a bit of an odd duck. He literally has lived in tents and help build a log cabin and a straw bale cabin with his hands. He has slept in caves and train station terminals. But for some reason he owns a home with a wife and child and likes that also. Some carrots and tomatoes are just starting to raise their "heads" and his ten year old little car is doing fine.
One could conclude that he is a tightwad. But the strange thing is that he enjoys spending money. Loves to buy new hiking gear and tools and provide for his family.
It is just an attitude. There has never been something good to having money. It is just paper or even nowadays just numbers on a screen. It is to be reckoned with.
We must look at how hard we work. Take it from there and enjoy the fruit of our labor. If you work all week long and cannot enjoy spending you paycheck, no matter how, then give it up and figure it out. Why in the heck would you sacrifice so much time and energy toward something that did not fulfill your happiness. Generally speaking we no long praise and look for martyrs and Grandpa and WWII are not really models for happiness. A job is no longer something parents pass on to their children. Jobs are choices and the money we earn is the fruit.
So now you have C.A.C.H. E.
There are two distinct and interesting notions we should leave here with. Mammon is a very strange term at simplest it means money. In depth it means something we trust. In the USA our bills say "in God We Trust". I think all of that is weird and try to avoid such contemplation. Another strange term we use in some accounting is "reconcile" yes the same as reconciliation. It is as though the numbers are struggling against each other and need to a problem resolution team to reconcile the differences.
The bottom line here is that we treat money really strangely in our society. We both elevate it to king status and we create boogie men out of the effects.
Here is a fun closing thought: Money, just like sticks, the more you have the more you must deal with it, and the less you have the less you should deal with it.