Q #6d - Financial Stress

6d. Financial Stress...

Financial stress is a common complaint that affects every household to some degree. You can recognize financial stress by the pressure it imposes on your family:

• You worry over bills, especially ones that are overdue.


• Interest on revolving credit accounts keep pilling up when you only make small payments on bills.


• You worry over not being able to buy everything you want, especially if your children have to do without the things they want, the things other children have, or the things you want them to have because you never had them as a child.


• You worry because you can’t save any money.


• You feel social pressures because you can’t keep up with the neighbor’s lifestyle.


• You may have family tensions leading to arguments - - husband vs. wife, parents vs. child.


• You may get flak from your in-laws.

Financial stress can be defined as a condition that occurs whenever income is less than expenditure. If you are a victim of financial stress your only solution to the problem is to balance income and expenditure. This balancing act can take two forms:
(1) either increased income or (2) decreased expenditure.

If you are the only earning member in your family, it can increase your burden all the more. After all, taking care of the needs of your family members is not a joke.

You increase your family income by requesting your spouse and/or educate children to support you financially.

Alternatively, you can reduce your expenditure by cutting down on extravagant things or luxury items. But this requires careful planning and wise budgeting.

In order to make yourself financially stable in the long run, you might have to adopt both options. Apart from balancing the monthly budget, there are things that need serious consideration. Like your children’s education expenses, marriage expenses, your parents medical bills or saving something for yourself in the future. All this requires meticulous planning. And it is advisable to seek an expert’s help, if you find it difficult to handle the investment part of your family budget.

Next issue (July 15th): Q#7 - "The Effects of Being Stressed"

Nada Adams is a Business Intuitive who brings razor sharp Clarity to empower clients in Maximizing Success & Fulfilling Goals with Peace and Balance.

Sign up today at www.vipresultscoaching.com for your FREE access to "VIP Results360” ~ a bi-monthly ezine for business owners and entrepreneurs. As your gift, you'll receive a program that will increase your focus and reduce your overwhelm.
Sign up now if you're ready to:
*Cut through the Fog and Eliminate blocks
*Effortlessly make more money VIA Product Development
*And Experience Time & Financial Freedom

Q #6c - Stressful Relationships...

6c. Stressful Relationships...


Man is a social animal. Everybody needs supportive relationships to get through challenging times. But sometimes the people we love the most can cause us the highest levels of stress. If your partner, family or children are getting you down, here is something for you.


Know your limits
People under stress often find it difficult to differentiate between their 'sphere of command' and their ' sphere of apprehension'. In a car, for example, our 'sphere of command' is our ability to maneuver our car skillfully on a busy road; our ' sphere of apprehension ', on the other hand, might include the worries we might feel if stuck in a traffic jam. We have no command, however, over the latter; the only thing that we can alter is our response to it.


Relationships are the same. We might be 'apprehensive' about our partner, but at the end of the day 'our sphere of command' remains our own behavior. Thinking that we can control a loved one is merely a source of stress.


Leading an aimless life
If you don't know what you want from life, you're more likely to follow those directions that you feel are wrong. To ascertain what really matters to you, write down on a piece of paper all the important ingredients in your life (work, relationships, children, hobbies, dreams, etc.), and then rank them in order from the most to the least important.Once you have properly assessed your values, you will find it much easier to prioritize when conflict arises.


Stop comparing
One of the most stressful habits of modern life is our tendency constantly to compare ourselves to others. But you must remember that even though other families or couples or individuals may look happier, richer or more fulfilled, you will never know what really happens behind closed doors. Trying to compete, or letting others make you feel inferior, stops you concentrating on your own unique talents and goals.


Know when to say ‘NO’
The most difficult in a relationship is to say 'no' to somebody you love. However, if you don't learn to refuse, at least some of the time, you run the risk of becoming overloaded and enraged. It's better to spend some time to consider which requests you are happy to fulfill and which you are not. If you clearly draw the line and show your family members as to what you can fulfill and what not, it helps you avoid getting stressed.


Communicate
Good communication is the key to stress-free relationships. Letting your partner know when you are under pressure, rather than expecting them to guess, can help the whole family plan ahead to lighten the load. Allotting ten minutes each evening for you and your partner to share your experiences of the day and explain its stresses will strengthen your bond and increase the chances of you both feeling understood.


Blame Game
Blame is one of the most baneful habits in relationships. Blaming someone for your mistake creates lot of stress in you. It's natural to argue - and it can be useful to clear the air and update how we feel - but it is essential to learn to forgive. Otherwise, the pain from one day transfers to the next.


If you find it hard to stop blaming your partner, why not try and reframe the dispute and ask yourself, 'What part of the argument is my fault?' Ultimately, we have to take responsibility for our own feelings.


Learn to accept the changes
When your child grows up and learns to handle things independently, learn to accept the changes. Give them the freedom. Do not try to take refuge at home and cling to all that is familiar. We want our partner to remain the same; we don't want our children to grow up and leave home. But unless a relationship changes and grows it will begin to languish, and the great irony is that the more we struggle to keep things the same, the greater the pain we experience. Try to see change at home as an opportunity rather than a threat.


6d. Financial Stress...(read tomorrow's posting)


Next Issue (July 15th)


Nada Adams is a Business Intuitive who brings razor sharp Clarity to empower clients in Maximizing Success & Fulfilling Goals with Peace and Balance.

Sign up today at www.vipresultscoaching.com for your FREE access to "VIP Results360” ~ a bi-monthly ezine for business owners and entrepreneurs. As your gift, you'll receive a program that will increase your focus and reduce your overwhelm.
Sign up now if you're ready to:
*Cut through the Fog and Eliminate blocks
*Effortlessly make more money VIA Product Development
*And Experience Time & Financial Freedom

Q #6b ~ Job/Work Stress...

6b. Job/Work Stress


According to a report, in India, nearly 3/4 of the employees believe that workers have more on-the-job stress than a generation ago. If job stress affects the employee personally and professionally, it could affect the employer financially to a great extent.

The employer’s loss could be due to the following factors:
1. Accidents

2. Absenteeism

3. Employee turnover

4. Diminished productivity

5. Direct medical, legal, and insurance costs

6. Worker’s compensation awards, etc.


The factors that cause stress at work can be due to the following factors:
1. The demands of the job

2. Meeting deadlines which could be statutory or self-created

3. The lack of support from colleagues and superiors

4. Their relationships with colleagues

5. Working long hours

6. Boring, mundane and repetitive work

7. Accidents at workplace

8. Uncomfortable workplace

9. Lack of training, whether they understand their roles and responsibilities.



Management’s attitude towards the welfare of the workforce:

• Juggling between professional and personal or social commitments
• Overburdened with work
• Not happy with the salary/perks
• Not happy with the job/boss
• Bullying
• Lack of feedback on performance
• Value and contribution
• Technological change
• Lack of clarity of roles and responsibilities

No one seems to be immune; everyone from every perspective seems to experience some level of stress.

6c. Stressful Relationships...(read tomorrow's posting)

Next issue (July 15th): Q#7 - "The Effects of Being Stressed"




Nada Adams is a Business Intuitive who brings razor sharp Clarity to empower clients in Maximizing Success & Fulfilling Goals with Peace and Balance.

Sign up today at www.vipresultscoaching.com for your FREE access to "VIP Results360” ~ a bi-monthly ezine for business owners and entrepreneurs. As your gift, you'll receive a program that will increase your focus and reduce your overwhelm.


Sign up now if you're ready to:
*Cut through the Fog and Eliminate blocks
*Effortlessly make more money VIA Product Development
*And Experience Time & Financial Freedom

Q #6a - What are STRESSFUL Situations?

6a. What are stressful situations?
There are 4 major areas of stress typical in the average individual's life:

1. Academic Stress


2. Work Stress


3. Relationship Stress


4. Financial Stress

This issue will cover the 4 areas of stress in 4 separate postings - otherwise its way too long to post as one.

Visit this blog daily this week and you'll find each one posted sequentially until all 4 areas are posted.

Academic Stress
Normally, for a student of any discipline, the examination months and the month during which the results are declared can be safely guessed to be the most stressful period. The stress that the students face might be because of the following factors:

Fear of failing or letting down their parents.
The pressure placed on the students to succeed would be so high that the students unable to bear the pressure fall ill and in worst cases, they even attempt to commit suicide.

• Not having confidence about the subjects studied.
• Having extremely high expectations.
• Comparing one with others.
• Unrealistic goals set by the parents

Many students begin to feel an overwhelming amount of stress during exams. A little stress can help you stay alert and ready to do your best, but too much stress can cause exhaustion and make your loved one(s) feel miserable. The key to getting through an exam successfully is to find a balance of stress which you can control.

Below are some suggestions for helping you or your preteen/ teenager manage their stress during exams.

Suggestions ~ Before Exams...
1. Make a timetable to organize test dates and study hours.
2. Divide the difficult subjects into smaller portions so that they become easier to study and understand.
3. Eliminate distractions.
4. Avoid idling away the time and reward yourself when you finish a task
5. Eat a balanced diet and try to avoid "stress eating"
6. Get some exercise everyday
7. Try to get at least 6 hours of sleep a night
8. Take time everyday to relax and make sure to take study breaks
9. Watch what you tell yourself- If you change your "Am I going to fail thoughts" to "I'm going to do the best I can," you'll greatly reduce exam anxiety

Suggestions ~ During Exams...
1. Reach the exam hall at least one hour before.
2. Stop studying an hour before the exam.
3. You probably won't learn anything new in an hour, but you might see something you don't know which can cause additional stress and anxiety.
4. Don't talk about the test with other students once you get there. Everyone is anxious before the test and anxiety can be contagious.
5. When you first get the test, take a deep breath and relax.
6. Read the entire test before starting and write down a few notes. This can help jog your memory later as you go through the test.
7. Answers all the questions first which you find easier. Leave the difficult ones for a later time. At least you will score in those questions which are comparatively easier.
8. Do not forget to carry the identity card, admission ticket, etc.
9. Remember managing stress effectively, while you are still young can help prevent diseases in the future.

I hope you learned a few things here and are now better equipped to support someone in your life that needs to study.

6b. Job Stress
According to a report,...(read tomorrow's posting.)

Nada Adams is a Business Intuitive who brings razor sharp Clarity to empower clients in Maximizing Success & Fulfilling Goals with Peace and Balance.

Sign up today at www.vipresultscoaching.com for your FREE access to "VIP Results360” ~ a bi-monthly ezine for business owners and entrepreneurs. As your gift, you'll receive a program that will increase your FOCUS and Reduce your Overwhelm.
Sign up now if you're ready to:
*Cut through the Fog and Eliminate blocks
*Effortlessly make more money VIA Product Development
*And Experience Time & Financial Freedom

Q#5 - 37 Ways to Reduce YOUR STRESS!!

From the perspective of Traditional Chinese Medicine (TCM), your physical, mental and spiritual health is intimately related to the ability of your body's life energy or Qi (pronounced 'chee'), to flow freely.

Qi is also said to manifest itself in the body as 2 opposing qualities: Yin and Yang. Humans are in dynamic balance with other aspects of nature, we are constantly responding to external and internal influences to maintain balance.
*When we don't adapt, we go out of balance and develop sickness. (Resistance)

Treatments like:
**Acupuncture, Massage, Diet, Herbal Remedies, Exercise, Controlled Breathing, Lifestyle Changes, Mindfulness (being present), and Meditation** are prescribed to restore lost balance and assist you in achieving a healthy, Balanced Life.

This is just a summary that will hopefully give you at least a couple of new insights into your life and inspire you to read more about TCM.

Below is a list of numerous ways you can take action to reduce your Stress Level. If you personally have a different way that you use that works to reduce your stress please post it on the blog for others to benefit from.

37 ways to reduce stress:

1. Become aware of your own reactions to stress.


2. Ask for help!


3. Remove the clutter in your work and home environment!


4. Reinforce positive self-statements daily.


5. Focus on your good qualities, strengths and accomplishments.


6. Avoid unnecessary competition.


7. Develop assertive behaviors.


8. Simplify your life and say 'no' way more often.


9. Recognize and accept your limits. Remember that everyone is unique and different.


10. Cultivate hobbies that you find interesting. Relax and have fun.


11. Exercise regularly. ie. dancing, yoga, walking etc.


12. Eat a balanced diet daily.


13. Express yourself! Talk with friends or someone you can trust about your worries/problems.


14. Daily Journaling.. i.e., morning papers etc.


15. Learn to use your time wisely.


16. Evaluate/Assess how you're budgeting your time and money.


17. Avoid emotional spending.. if you're feeling stressed, stay away from shopping of any type!


18. Plan ahead and avoid idling away the time.


19. Make a weekly schedule and do your best to follow it.


20. Set realistic goals: quarterly, monthly, weekly and daily.


21. Set priorities weekly, then choose your daily priorities.


22. Recognize that your TO-DO list is not to be finished today.


23. When studying for an exam, study for short periods and gradually increase the time you spend studying. Take frequent short breaks.


24. Practice relaxation techniques. For example, whenever you feel tense, slowly breathe in and out for several minutes (this will quiet the mind).


25. Affirm daily, 'this too shall pass'.


26. Listen to hypnosis or relaxation CD's daily.


27. Eliminate TOLERATION from your life as much as possible. Either fix it or Eliminate it. (This is an area that produces -> Huge Energy Drains)


28. Take an AromaTherapy bath with natural soothing and emotionally healing oils. i.e, sage or lavender


29. Enjoy a Far Infrared Sauna or scalp massage treatment.


30. Take a catnap in the early afternoon. (Avoid Sleeping in the later afternoon because it causes you to feel exhausted.)
    
31. Connect on a cellular level to the feeling of gratitude for who you are and what you've achieved so far.
    
32. Eliminate watching the news on TV...you can learn what's going on in the world through headlines online.


33. Watch your posture when you sit: avoid hunching over - it reduces your oxygen intake and can cause anxiety.
34. Oregano Oil - natural anti-biotic that energizes the body (I swear by it!)


35. Eat onion and garlic - they provide a natural chemical for the body to eliminate/reduce anxiety. (Totally True)
    
36. Take action on what you've been avoiding - even a tiny tiny action step...just do something. (Procrastination is a huge energy drain)
    
37. When overwhelmed - stop ALL YOU'RE DOING! Review your priorities and focus on ONLY Your Highest Priority in that moment. (Remember to breathe and stay present; thinking about everything else all at the same time makes you VERY NON-PRODUCTIVE.)

Next Issue: 'Stressful Situations...'

Nada Adams is a Business Intuitive who brings razor sharp Clarity to empower clients in Maximizing Success & Fulfilling Goals with Peace and Balance.

Sign up today at www.vipresultscoaching.com for your FREE access to "VIP Re$ults 360” ~ a bi-monthly ezine for business owners and entrepreneurs ready to:
*Cut through the Fog and Eliminate blocks
*Effortlessly make more money VIA Product Development
*And Experience Time & Financial Freedom

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