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3 Ways to Get a Healthy Mindset About Money

October 12, 2018 | By Mason Roberts

It’s more than possible to have a healthy relationship with your money. For some it might require a slight shift in your thinking, or it might require a complete overhaul.

For most, the word “money” might conjure up the feeling that you’re being unjustly underpaid for all your hard work at the office, or you might think about all the debt you have accumulated. However, others might never think of money at all, for better or worse.

But there’s a smart middle ground for those who want to start having a healthy mindset when it comes to managing their finances. Here are a few ways to start building a better relationship between you and your money.

Be in Control of Your Money

While money shouldn’t control you, its power and importance shouldn’t be underestimated. Maybe you earn a good paycheck but don’t use it to its full capacity. One way to change that is to create a budget that helps you reach your financial goals. For example, maybe someday you want to own a vacation home on the water, work for yourself, or pay off all your debts. There are innumerable financial objectives you may aspire to, so set aside some time to seriously consider both your long and short-term money goals.

How could something as simple as creating a budget help? A budget, when done correctly, will ensure that you control every dollar that you earn, and decide how to best use it to best reach your goals. When you mindlessly spend the money you have in your account rather than plan ahead and tell your money where to go, you never have a true sense of your financial footing. That can leave you vulnerable to things like unexpected expenses and endless credit card debt. Following a well-planned budget can put a stop this painful cycle.

Make Your Dreams Come True

Maybe you’re already exhausted from your current job. If you have a big enough dream, picking up some extra work might be necessary to help you meet your goals, even if it’s just delivering pizza or becoming an Uber driver on the weekends.

Most likely, this will only be a short-term situation to help you get a jump start towards getting you where you want to go. Far too many of us keep doing the same thing over and over again, simply hoping that we will magically attain our goals. Life is not a dress rehearsal, so if you want something, you need to be willing to work hard for it. Seriously, don’t put it off another day!

Think Big!

Maybe you spend a dollar here or a dollar there on a cup of coffee or eating out, but do you do that several times a week? It adds up much faster than you might think. By establishing a tangible, concrete vision for what you want to accomplish in life, however, you’re less likely to spend your money in frivolous ways.

So, whether you are the type to use a vision board to motivate yourself to save up for your dreams or join an accountability group to stay on course through the positive peer pressure of like-minded people, you should start thinking big today.

How Else Can You Fund Your Growth?

Those are just a few good habits to develop and implement in order to better yourself, but what if you’re in a far more pressing situation where you are simply trying to tread water until you can regain your financial footing and get a plan for the future together?

One viable option is to use the one item of value most of us own to get the extra cash you need. If you own your car, you can use its value to receive emergency cash with a title loan. If you don’t know what that is, here are the basics of how it all works:

  • You could get up to a $15,000 loan when you use your car title as collateral.
  • Even those with bad credit could qualify.
  • It only takes about 30 minutes to complete the approval process and leave with cash.
  • The cash is yours to use however you want.

A title loan provides a short-term strategy to help you out in a pressing financial situation. If you qualify, you would use your lien-free vehicle title as collateral in exchange for a loan ranging from just a few hundred dollars up to $15,000. All it takes is a vehicle you own and a few simple required items.

The Title Loan Process

Here’s the simple, fast process of getting a title loan:

  • A simple Internet search for "title loans near me" should bring up WisconsinAutoLoanServicesInc.com and our online request form – just fill it out with your basic information.
  • Within minutes, a store representative will contact you to explain how it all works, answer your questions and go over these few simple required items: your vehicle for inspection, the lien-free title, driver's license or state-issued identification and proof of income.
  • When you arrive at their store, you’ll fill out the paperwork for your loan while a store manager inspects your car.
  • In as little as 30 minutes you could leave with your car and the cash you need.
  • Make payments on time and in full and keep driving your vehicle.

It is very unadvisable to rely on title loans on a regular basis or over a long period of time. This serious decision should only be used in a time of emergency. Examine your personal finances to figure out what size loan you should realistically take out so you can pay it back on time.

Now that you’re armed with a healthy mindset about money and you know what to do if you face an emergency, go take action and take control of your finances!