Money May Not Buy Happiness, But Financial Stability Certainly Helps

financial stability

Your parents likely told you once or twice when you were young that money doesn’t buy happiness. Not to say they were wrong, but as we age we begin to understand the importance of peace of mind and that being caught between a rock and a hard place is a lot easier to squeeze out of if you’ve got the right funds stored away.

While money may not buy happiness, there is something to be said about the positive effects budgeting your income (and debts) affords you. Creating stability within your finances can reduce stress and create more opportunities for the funnier things in life. As adults, this financial stability can come in many forms. In particular, saving up for your first home and refinancing your student loans are pretty common, important milestones. Keeping a positive mindset and utilizing habits for success will be essential when working through these challenges.

Adjustment Is Sometimes Necessary

Considering how many graduating adults finish school with debt, refinancing your student loans is a great option that can help provide more financial stability and create more flexibility within your monthly budget. Refinancing can seem like a hassle, but the process is fairly simple and oftentimes easier than you think.

Refinancing can also provide a much-needed mental break considering the negative, stressful feelings that arise when you watch your saving get drained by those huge monthly payments. It’s also important to keep in mind that refinancing doesn’t necessarily mean you’re incapable of paying back your loans. Rather, it’s like tailoring your payments to better fit your current place in life.

Financial stability

There are a few things to consider before refinancing. As the experts at LendKey explain, “When making any financial decision, timing is everything, and refinancing student loans is no different. There are several factors to this – some a student can control and others they cannot – that affect when they should refinance student loans. This includes the timing of graduation, interest rates, employment, and credit score."

Refinancing also depends on which lender your loans are through as the requirements vary company to company. Either way, it’s definitely worth investigating to see if you qualify. Adjusting your payments to better suit your income makes it easier for you to pay in full and on time each month, which is good news for your credit score and stress levels.

Confidence Is Key

Another significant milestone, buying your first home, is a financial goal that many adults are currently working towards. The process of becoming a homeowner can often seem intimidating, especially if you’re unsure if you’re actually ready for that kind of commitment. It can be fairly easy to focus on the negative feelings that arise when approached with a significant milestone such as this. However, you’re likely not giving yourself enough credit, and although the process can be tricky to navigate at times, it’s important to not deflate your own dreams of owning a home one day.

Of course, there is definitely a lot to consider when it comes to buying your first home: mortgage rates, down payments, property taxes, etc. You also need to ask yourself if you are in a position to stay in your home for an extended period of time. As Quicken Loan suggests: “Generally, we recommend you only consider buying a house if you plan to live there for at least five years, but this depends on a lot of factors, like the housing market, rental prices and how much equity you have in the house."

Create a goal for yourself

While you may not be able to afford or find your dream home right now, it’s still worth creating a goal for yourself and begin working towards it. With that in mind, shopping for a new home can certainly drain you mentally and physically, which means it can be tempting to give up. Nevertheless, with the right budgeting, discipline, and determination, buying your first home doesn’t have to be so scary.

As we mature, financial stability becomes more and more important. Finishing school, owning a home, and finding the right career are all valuable goals the majority of us all hope to achieve one day. While money may not buy happiness, when we are able to better manage our time and money, we can worry less and enjoy our spectacular life even more.

Author’s Bio

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

 

How To Enjoy Your Wedding Day

wedding day

There are many standards and traditions when it comes to weddings. The dress should be white. The venue should be picturesque. The tablecloths need to go with the plates, which need to go with the flowers, which need to go with the bridesmaid dresses … The list goes on.

Getting caught up in the stress is natural when there are so many expectations, especially after you’ve spent months planning your big day. However, when the day finally arrives, it’s important to step back, take a deep breath, let go of potential mishaps, and enjoy your day.

Doing so can take quite a bit of work, but when you look back at your wedding day, you’ll remember how you felt. Though there will be a lot going on, preparing yourself to stay positive on your wedding day will ensure that you enjoy it.

Keep Your Priorities in Check

You have done all the planning. You have the perfect photographer, a conflict-free seating chart, and you’ve even hand printed the calligraphy on every invitation. You’ve personally attended to every detail, so it can be hard not to focus on them on the wedding day — but you have to stop yourself from doing that.

You can plan out down to the second, down to the smallest of details, and still, something will go wrong. Of course, this doesn’t mean that you won’t have a perfect wedding, it just means that you need to stay in the moment and let some of the mishaps slide.

To help you get through some of the moments when it’s difficult not to focus on the details, you can have a few phrases ready to help you focus on what’s important. You can try laughing at it and saying something like “c’est la vie", or you can ignore it and go find something else to think about, like your new spouse or talking to some family members. It’s best to have a mental list of a few different phrases or options that you can turn to so that you can truly enjoy every moment.

Bridal Party Responsibilities

Even after you’ve prepared yourself for the fact that not everything will run smoothly, it’s impossible to be ignorant of any last-minute hiccups or sudden issues that come up. Yes, you should enjoy your day, but that doesn’t mean you can’t tend to these problems in some way.

You can make sure everything runs smoothly by assigning different members of the wedding party — or other trusted invitees — specific responsibilities to be in charge of. This can also make your wedding a more positive family get-together by making more people feel involved.

For example, you can assign one of your bridesmaids the job of making sure everything goes well with the catering. You can assign one of the groomsmen the job of making sure no one eats the cake before you have the first bite.

Whatever details you are worried could go wrong, assign them out to someone else so that you don’t need to worry about it on your day. Be sure to make a list of everything you can think of, assign them out, and choose one person to be the go-to for unforeseen issues so that you don’t have to worry about them.

Money Can’t Buy Everything

Unless you have that much money. Or at least a wealthy relative willing to grant your every-wedding-day desire. However, it is especially advised not to use a credit card to fund your wedding. The day should be about pronouncing your love for your new life partner and making lasting memories, not having a reception that will rival the Kardashian’s. Besides, having to pay back hundreds or thousands of dollars during your first months as a married couple can put a strain on what should be a happy time in your relationship.

Another reason to reevaluate your budget is that a higher budget may overshadow a happy marriage. The Hustle reported that couples who spend less than $1,000 on their wedding tend to have happier, lasting marriages. Of course, you should take this — and any other statistic that tries to predict future happiness — with a grain of salt.

If knowing this relieves some of the pressure you feel to have a perfect wedding, then it’s a sign that you shouldn’t worry about having an expensive, fairytale wedding. However, your wedding day is for you and your fiance, and as long as you put the health of your relationship and future happiness first, then do whatever the heck you want. Even if your new mother-in-law may not approve.

Weddings can be stressful, which is why preparing yourself mentally is just as important as buying your wedding dress. Rely on your family, focus on what’s happening in the present, and try to remain in a positive frame of mind as much as possible. With a little bit of preparation and a little bit of letting go, you can truly enjoy your wedding day.

Author’s Bio

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

How To Decorate With Happiness In Mind

happiness in mind

When you move into a new space or feel that it’s time to rearrange, it can be easy to focus only on the aesthetics of a room. However, a great way to really exercise some more creativity with a room and make it more functional overall is to decorate with happiness in mind. Decorate in an attempt to give yourself the best possible experience in every room of your house. The last thing you want is a cluttered, erratic looking room that feels small, confined, and barely usable. So, we’re going to go over some tips that will help you achieve a perfectly styled and practical room that fills you with happiness.

How Feng Shui Can Help You

You’ve probably heard of the term feng shui before, but maybe you aren’t quite sure how it can actually benefit a room. Well, feng shui is the practice of bringing balance into your home. The goal is to create rooms that allow you a lot of living and working space. If done properly, you should feel as though there is a perfect flow to your decor, that every piece is working together for a particular function, and that you have ample space to use it realistically.

To start, think about the color of your walls, furniture, and decor. Color plays a big part in feng shui, and it’s all about how the room makes you feel. Think about how you’re going to use the room and what colors will inspire you to work happily. From there you can create a color scheme that will help you more easily identify pieces of furniture and decor that work with what you’ve planned to go on the walls.

Another huge aspect of feng shui has to do with decluttering your living spaces. This doesn’t only apply to your living room, but to all rooms. Think about your bedroom and office and any other rooms in your home. You should think about systems of organization that will truly make your life as easy as possible. A system that promotes more clutter instead of a clear workspace and headspace is not an effective one. So, do some shopping around to find some great organizational pieces that work for what you’re trying to accomplish in each room. Your methods will likely look different in each space and that’s totally normal. There is no cookie cutter way to organize a home and honestly, that’s a good thing. It allows you much more creativity in the process. Have fun with it!

Make Sure Your Bedroom Actually Calms You

Now that you have some separate ideas about organization, inspirational colors, and functionality in mind for each room, let’s talk about an incredibly important room in your house that gets much less love than it deserves — the bedroom. Yes, you might have a big comfy bed and a few pieces of nice furniture, but for many of us, the bedroom is just an afterthought. We think of it as a place to rest our heads at the end of the day and not much else. It doesn’t have to be glamorous if it’s just the place we’re sleeping right? Wrong.

First and foremost, you may have heard the idea that most of us will spend about ⅓ of our lives sleeping, which is true. So, having the comfy bed is important, but you really should think about optimizing this room for maximum comfort and creating a room that encourages peaceful rest.

How much time do we spend in the bedroom?

Lots of Americans are using their bedrooms for so much more than just sleep. In one survey, about 130 people were asked how much time they spend in their bedroom. Fifty-seven people said that they spend at least the required ⅓ of their time. Fifty people said as much as possible. And 12 individuals answered, “and the reason to get out of bed is?". As you can see, most people demand quite a lot out of their bedroom. This is often a place of relaxation, entertainment, and sometimes it doubles as an office. You watch TV in there in an attempt to relax and be entertained after a long day at work. You might even have a small desk in there so you’ll never be far away from your work. All of these things are great, but you shouldn’t forget the main purpose of this room. It’s so important to furnish and decorate your bedroom in a way that inspires comfort and sleep.

So, how do we do that?

Dissect your bedroom using all five senses. Think about what colors say “sleep" to you and start to paint and decorate accordingly. Make sure that when you get in bed, the feel of it gives you that nice, warm, sleepy feeling. What do you smell? Well, that’s something you should think about too. Maybe try out some aromatherapy with candles or a diffuser with scents that relax your mind. Lastly, make sure that you can say no to the TV when it’s time to rest. Perhaps adding a device that plays soft white noise or some other natural sounds can take your mind off of stressful thoughts and focus them on tranquility.

In my opinion, the most effective way to get what you want out of every room is to think about its basic function. What’s more, keep it organized, use colors that inspire you, and use all five of your senses to create an experience in each room that suits your needs. Your home should work for you, you shouldn’t have to work so hard to get your home to work practically. If you keep these ideas in mind, you can decorate your home with happiness in mind, which will inspire you to experience each room with joy every time you enter.

Author’s Bio

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

How to Encourage Positivity in the Workplace

encourage

If the way we spend our days equates to the way we spend our lives, then what we do at work makes up a great chunk of our lives. People can spend over half of their lives at their jobs. Some because they are passionate about their work and others because it pays the bills. In either circumstance, your work life can greatly affect your overall levels of stress and happiness.

Positive Words Research has found that if you try to avoid negativity, you can improve your work day. How you go about your workday can affect different hormones in your body. Stress at work will produce cortisol while feeling successful will produce endorphins, dopamine, and serotonin.

Though it’s not always possible to control the factors that will influence what hormones you produce, you can make decisions for yourself and direct your thoughts towards positivity. This is important for all team members to keep in mind, from upper management to entry-level workers.

Company Culture for Success

Company culture is important for success. It affects drive, motivation, and productivity. According to Pepperdine University, maintaining a positive company culture is important in all stages of the company, including when hiring, when growing, and when working.

The university reports the following habits to be damaging to company culture:

  • Inefficient management
  • Too many meetings and emails
  • Emotional pressure to perform well
  • Negative employee behaviors such as gossip and ego
  • Bonuses and performances rewards that don’t ensure quality

Instead, Pepperdine recommends that companies incorporate play, purpose, and potential into their structure. They can do this by implementing the following:

  • Encouraging respect among employers and employees
  • Expressing confidence that goals will be accomplished
  • Support to do more than is asked
  • Investing in both company and individual success

It’s important to shut down negative behavior, such as gossiping or bad attitudes. For managers, this means talking to an employee to let them know that hard work does not excuse a negative influence and offering support. For fellow employees, this means shutting down any conversations that include gossip or inconsiderate comments to others and shifting the conversation to a more positive subject.

Management Matters

In general, there is a lot that management can do to ensure that they and their employees have a positive experience at work. It’s important for companies to choose their leaders carefully. That’s because they set the tone that everyone else will follow. Managers should embody the same positivity and tone that the company does.

Research has found that great bosses generally share five common characteristics. Sufficient educational support, a positive outlook, a desire for feedback, an eye for opportunity, and forward thinking. It’s important to keep all these things in mind when hiring managers, and not hire based solely on experience or education.

Leaders ultimately have a great influence on the rest of the company. The way they handle last-minute problems or setbacks will influence the way employees handle them as well. If they are patient, understanding, and maintain a positive mindset during unexpected issues, it can reassure employees and they can have the same attitude.

Encourage Work-Life Balance

Another way to encourage positivity in the workplace is to encourage a work-life balance. Working too much can be draining. It leaves employees without enough energy to enjoy spending time with their loved ones after they clock out.

To avoid this, companies should make an effort to not overwork employees and to encourage them. This can be done by giving them a reasonable amount of work to do and hiring more workers if that is not enough. A work-life balance gives employees the chance to feel refreshed during their time off. That way, they can come to work ready to complete their tasks with a productive attitude.

An encouraging company culture and a constructive management team can be the key to a successful company. Not only do these characteristics drive optimism in the workplace, but they can affect the overall job satisfaction of employees. In turn, this will lead to a happier life where employees look forward to coming into work.

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

Finding New Inspirations in Life

new inspirations

It’s important to stay positive in life, and there is no better way than by nurturing your interests and hobbies. If you are looking to find new inspirations in life, you can keep things fresh. You can do that by trying and discovering new things no matter what stage of your life you’re in.

Fortunately, hobbies don’t have “age limits" and you can take up a new hobby at any point in your life. Pushing your comfort zone is the key to keep your life exciting, so it’s always a good time to look for a new interest to try out. Here are a few ways to bring new inspirations into your life.

Travel and Music

Music and traveling are two of the most inspirational activities out there. When you listen to music you can get lost in the rhythm and meaning, purge your emotions in a healthy way, and momentarily forget about your worries. When you travel you have new experiences, discover new things about yourself, and you nourish your curiosity. Put them together and you will find yourself in a truly spiritual experience.

A great way to do this is to find a concert you want to go to and drive there. If you really want a transformational experience, you can rent an RV or pack a tent and head to a music festival. You may not make it to Coachella, but there are plenty of music festivals that involve some sort of camping and that last for three days or more.

This way, you can travel more, give in to spoiling yourself, and maybe even make a few new friends. Plus, you will keep up with your interests and when you get back, you will be renewed with positive energy.

Create Your Space

Between all the hectic tendencies of life, keeping your home nice can fall through the cracks. Even if you keep your house clean the majority of the time, there can be a lot of work to do. Your home should be a place where you feel safe, happy, and comfortable. You should be able to feel like yourself and relax after a long day.

If this doesn’t exactly describe your home, then you might want to look into giving your space a bit of freshening up. You can start by decluttering. Over the years, you may not realize how much unnecessary stuff you bring home.

Whether it was useful at one point or you just made an impulse buy, it’s all too easy to let unuseful objects accumulate in our homes. Removing clutter from your house can help remove some mental burden from your every day stress, not to mention that it can help you stay organized. Staying organized, in turn, helps you feel more in control and productive.

Once you have decluttered, you can make the space your own. Add a few personal touches to the room. In your bedroom, you can get a new bed spread, a nice pillow, and a throw blanket to make your room more comfortable. In the bathroom, you can replace your shower curtain with something soothing, add candles, and get a new bath mat.

Take On a Project

To help make your space your own, you can flex your DIY skills. You can try something simple, like painting and making over a lamp, or you can take on a challenge, like reupholstering your chairs. DIYing is great because you can often save money and end up with a personalized object that you can make exactly how you want.

Additionally, you can work your green thumb skills and bring plants into your home. Just as going out in nature helps relax you, studies have found that keeping indoor plants around can help you feel relaxed and calm, improve your concentration, and boost your mood.

If any of these sound appealing to you — and why wouldn’t they — bring home a few plants and start your indoor garden. It can be hard to keep plants, so start with just one or two, and as your gardening confidence grows, so can your collection. Keep in mind the climate in your area, available light, and how much effort you are willing and able to invest in keeping them.

Feed whatever passion you have that inspires you. Incorporate whatever brings you joy and fulfillment into your life as much as you can. You might forget to do this every once in a while, and that’s okay. It’s just important to always come back to the things that make you happy and working to discover new inspirations.

Author’s Bio

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.