“The time to get interested is when no one else is. You can’t buy what is popular and do well.”

And if we surrender to it, fear can keep us stuck in our comfort zone and prevent us from reaching our true potential.

What are your priorities? Thinking about what your own dash is will always be time well spent. I rarely see people give their lives adequate thought and determine their purpose. On the contrary, I often see people spend ample time planning for their day-to-day things or vacations.

To stop living in fear, you must understand the underlying psychology so that you can actively work against it. To a point, fear and anxiety have a place in healthy human psychology. Acute fear is a normal emotion that signals a potential threat to your physical or emotional safety. It is a natural response to our survival.

The first step would be to confront reality and clearly understand what’s causing your financial stress. So, let’s look at common reasons why people think they’re slowly sinking into the ocean of debt and bills.

We tend to spend what we have on the things that will get us instant gratification.

We spend two main types of expenses: essential and discretionary expenses.

As an automatic consequence of spending smarter, you will be left with more money to save. What to do with this saved money will be covered in the next point below.

Recognize that there is no insurmountable hurdle anywhere. Every financial challenge has a solution. Just because you haven’t figured it out does not mean the solution is not out yet; it does not mean you won’t eventually.