First, begin with small steps. Most people become overwhelmed with their financial condition that they immediately react and confront the issue. However, tackling financial issues should be done in a proactive way. It feels empowering to address financial obligations because you want to be responsible. Being proactive helps you to set aside the feelings of inadequacy and gives you a sense of competence.
Simplify your life. Sort out your daily activities. Engaging with too much tasks will actually make you unproductive, sometime even catastrophic. A longer to-do list means you need more money to do it all.
Second, you need to change. You may need to do the following:
1. You have to change your attitude. You simplify your life when goals are set. It sends signals to negative thoughts that may lead to financial mismanagement.
2. Change the things that do not contribute to your success and keep on doing those that do. Proactive thinking puts you at a higher level. Know that your frame of mind determines your behavior and attitudes toward money.
3. Keep on organizing and re-organizing. Keep it a habit to make paying bills and reviewing finances routinary.
Third, keep your money management structured. Structure will put everything on solid ground. Slowly work on gaining a proactive mindset. Be intentional with the way you use money. Form positive money habits. Be religious in following them. Always think that all these are just birth pains, and one day, you will gain financial freedom like you’ve always dreamed about.