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 Have a Strong Marriage?

marriage

Everyone falls in love with someone at least once in his or her lifetime. Here is how you can maintain a strong marriage bond with your spouse.

The marriage is one of the most beautiful bonds a man or a woman gets to experience in his or her life. It may seem a vulnerable and weak bond but at the same time, it is one of the strongest bonds ever. Nowadays, individuals find the love of their life on the social media as well with the help of Optimum Packages.

Apart from social media, different dating sites and matchmaking sites have opened their business of bridging the gap between the two individuals. Whether you belong to the group of individuals who met each other through a friend or a cousin, couple who fell in love in the first sight, two hearts who made a bond on a website or two humans who crossed each other’s path by chance, keeping your bond stronger is only depending on you.

You can find many individuals giving you tips on making your bond stronger and making it free of arguments and fights. Many websites and online forums are full of the content telling the couple the way they should act in order to make their marriage successful and strong.

However, it is not possible to listen to all the opinions and apply them to your marriage. Keeping that in mind, here is a list of the best ways you can make your marriage stronger forever.

Arguments are Healthy in a Marriage

Understand that arguments and fights are healthy for any relationship you can name in this world. Having arguments mean that there is something that you do not know and understand about the other person. They give you a chance to sit together, listen to each other, and understand the situation from each other’s point of view.

When they say, “Where there is love, there are fights", they say right. If you love each other, then you will always be eager to learn more and these fights give you a chance to learn more about each other. Do not give up and learn more from the fights to become better.

Listen to Each Other

Where the majority of individuals in the world love to prove their points to others, be one who is eager to listen to other humans. Science has started listening as the top-most effective way of learning. Learn to listen each other and do not just listen with your ears but your heart and mind open to the words coming your way.

If you manage to stay receptive to the things the other person is explaining, then you will definitely know the way you can make your bond stronger. It is not necessary that you just take out time to listen each other only at the times of fights but listen to the sorrows, tensions, and worries of your partner every day. Ask them how their day went and the issues they are hiding in themselves.

Walk by Their Side

It is important to tell one another that you care and you would never leave them alone but it is even more important to stay true to your words. Prove to them that whatever you say would become your action in the time of need. It is no doubt easy to say the words but the commitment of a person surfaces when he or she stays loyal to the words.

You both will face many issues in your individual and together life. Some problems will try to break your bond while others would try to break you as a person. However, you need to stay strong for yourself and to put your partner back after they are broken. Be the rock-solid pillar of each other when the storm is blowing hard.

Share Your Life

Marriage is not a bond of two bodies but of two souls and two lives. When you get married, do not just welcome your spouse in your home but welcome it into your life and heart. Remember that you both are no longer separate entities but you both make one entity.

Share your lives with each other, share your feelings, issues, happiness, sadness, and materialistic things as well. Make each other a part of yourself and to do so, spend your spare time together. The best way to do so is by enjoying some TV shows together. Get your married life a gift by buying Optimum 400 package today!

Alex Brian

Author’s Bio

Alex Brian is an entrepreneur, marketer, and writer. As Hawaiian resident, he loves beaches and bathing in the sun. That’s where he finds his inspiration to author in-depth guides that teach E-commerce store owners ways to manage, grow and scale their business. In a former life, Alex co-founded a custom menswear company which generates 6-figures in annual revenue through its website and retail.

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.

 

 

The Battle Of Happiness That You Can Win: Positive Mind Leads To Positive Life

positive mind

Positive thinkers always look on the bright side and see the cup as half full. These people are healthier and they are less stressed than pessimists. And studies showed that optimism and positive thinking have several benefits.

You may think that positive thinking is not a natural thing to you. However, there are several reasons you must start cultivating positive thoughts and stop negative self-talk.

Cope better with a stressful situation

Positive thinkers can cope better than pessimists when they are faced with a stressful situation. When optimists are disappointed, they tend to focus on the things that they can do to resolve it. They don’t dwell on those things that they are not in control of. Instead, they create a plan of action and ask for assistance.

Negative thinkers, on the other hand, would immediately conclude that the situation is already out of their control and that they can’t do anything about it.

Positive mind attracts positive results

If you start to think positively, the law of attraction can work in your favor. The law states that “like attracts like." If you have the habit of seeing your life positively, you can attract great things.

happiness

Improves immunity

The mind can have a positive effect on the body. It’s one of the reasons people living in the healthiest places to live in the US are mostly positively thinkers. They don’t just exercise every day but they also think more about the bright side than the negative side of a situation.

Activating the brain areas associated with negative emotions can lead to a weaker immune system. When you become optimistic about some areas of your life, you tend to have a stronger immune reaction than people who had a negative view of their situation.

In other words, positive thinking is ideal for your health. It does not only help you cope with stress but it also affects your overall well-being. The Mayo Clinic reports that there are several health benefits related to optimism. These would include a reduced risk of death because of cardiovascular problems and increased lifespan.

Although it’s not clear yet how positive thinking can benefit health, some people suggest that being optimistic can lead to a healthier lifestyle. As they cope better with stress, they can avoid unhealthy behaviors related to stress. As a result, they can improve their overall well-being.

Copes better with problems

Apart from stress, having a positive mind can help you better cope with problems. In other words, you become more resilient. When you face a crisis, you can easily carry on and overcome adversity. As mentioned earlier, positive thinkers look at the problem and find solutions to fix the problem, rather than giving up quickly.

When resilient people found themselves in a terrorist attack or a natural disaster, for example, their positive thoughts and emotions would encourage them to thrive. These thoughts would act as a buffer against depression.

Develop harmonious relationships

By having positive thoughts, you’ll start to notice the good qualities of people and ignore their flaws. As a result, you’ll start to have a meaningful friendship with them. Having a positive attitude creates a positive atmosphere around you.

positive life

Turn problems into opportunities

When you have negative thinking, it’ll blind your mind. However, if you start to turn negative ones into positive, you’ll begin to see that the bottle is half full and not half empty. You’ll start to see solutions and consider that a problem is an opportunity for you to grow. You’ll also start to realize that all problems have an answer. And you’ll finally see it.

Be more grateful

Some people don’t care how blessed they are. As a result, they take things for granted. They forget to be satisfied with the things they have. If you always complain and whine about your destiny, you’ll never appreciate all the things that you already have, until you lose them.

However, when you start to be more thankful and appreciative, you’ll finally realize that you’re luckier than the rich kid you’ve always envied when you were young. So, always be pleased with what you have and count your blessings.

Be more beautiful

Positive thinking brings the best in you. It’ll make you look more beautiful. How? Because you always think positive, you always smile and be friendly to people, making you more attractive. As your inner beauty shines, it’ll be visible on the outside.

Be more successful

Compared to negative thinkers, positive thinkers are more likely to be successful. That’s because they tend to find a solution to every problem, instead of giving up. For them, a life without a problem is boring. For that reason, they work hard and find success to be a lot easier.

Conclusion

Although being optimistic has a bright side, in some instances, it might not serve you well. If you’re overly confident, you might underestimate your abilities. As a result, you take on more tasks that you can handle, causing more stress and anxiety.

You don’t need to ignore the reality. But focus on certain things, like a positive approach to a challenge or make the most of a bad situation. Bad things can happen to anyone. As a positive thinker, you look at the case and find ways to improve it.

Author’s Bio
Catrin Cooper

Catrin Cooper is a professional blogger and freelance writer from San Francisco. She sees her purpose in providing people with up-to-date info in spheres of marketing, self-development, and real estate. Apart from work, she adores traveling and yoga.

 

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.

 

The Pursuit of Happiness: Top 10 Ways to Increase Your Overall Mood

The Pursuit of Happiness

pursuit of happiness

Photo by Matheus Ferrero on Unsplash

The pursuit of happiness is a cornerstone of the American dream, outlined specifically for us in the Declaration of Independence. Yet some days, we find ourselves chasing the ever-fleeting mistress that is happiness and fail to catch her.

So on days when we cannot craft a genuine smile, why not just abide by the time-honored tradition of “fake it until you make it"? Science says no. By faking happiness, you can actually make your mood worse. In the work field, faking contentment can make you hate your job and can make you sick.

Psychologist Iris Mauss at UC Berkeley found that people who focus on improving their happiness tend to focus on obtaining personal gains, which can lead to a busy life with little beneficial social or intrapersonal interaction.

Dan Gilbert, a pioneer in the study of happiness, says that humans are driven by emotions and that “emotions (are) a compass that tells us what to do. A compass that is perpetually stuck on the north is worthless." Meaning that if we are ALWAYS happy, (a.k.a. always stuck facing north), we will miss out on other important emotions and may not truly be able to cultivate the power and joy that comes from happiness.

Remember: all emotions are valid; make sure to feel them all!

What happiness is NOT

Happiness is a vague beast to tackle. For every individual person, a sense of joy can come from a multitude of places. There is so much variation in what happiness is to each individual. To get a grasp on how to best define it, we must look at what happiness it is not.

Happiness is not predictable

Contrary to popular belief, things are not as burdensome as you might anticipate them to be. By default, the great things that come to you do not always make you as happy as you’d like. Gilbert gives a great example. “Going blind will not make you as unhappy as you’d expect, and winning the lottery will not make you as happy as you expect."
As reliable as we’d hope our brains are at predicting our future emotions and responses, it is well backed that they do not have this capability.

Happiness is not material

Even though a new outfit can make you feel better for a moment, this is what science likes to call “false happiness." While at first, it may help you feel more confident and excited to take on new tasks, eventually that feeling will fade with the fabric you bought. Chasing money and material possessions lead to a temporary sense of happiness.

Happiness is not a destination

Life is about the journey, but the destination is not happiness. Enjoying the process is the important part to remember.
If you find yourself saying things like:

  • “Once I finish a project I will be happy"
  • “Once I make a million dollars, I will be happy"
  • or “Once I am married, I will be happy", you have the wrong mentality.Happiness is not found outside yourself, it’s cultivated inside. Relying on an outside source to change your emotional status will not help you become happier.

If we can’t concretely define happiness for everyone, maybe we should focus the attention on how to create more of it for ourselves.

How to Increase Happiness

Creating a calm and productive life is the best way to cultivate joy for yourself. These are the top ten recommendations to increase happiness.

  1. Look for employment at a company that values its employees and their happiness.
  2. Invest in experiences – instead of investing in material goods, invest in memories.
  3. Focus on your relationships and making them succeed.
  4. Practice mindfulness.
  5. Practice gratitude – keep a running list of what you are thankful for.
  6. Help others.
  7. Exercise.
  8. Budget for happiness – use financial tweaks to save for experiences.
  9. Focus on posture.
  10. Eat healthily

Though we are always striving for happiness, our tactics for getting there may not be as effective as we’d like. By understanding what happiness is, what it is not, and how to cultivate more of it in your life, you are bound to live a life full of joy, purpose, and laughter!

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 Nutrition Affects Your Happiness

proper nutrition

When we feel good, and when our body is healthy, we’re happier. That’s pretty basic logic even children can grasp, so why do we struggle with proper nutrition so much?
A lot of it has to do with poor habits steeped in childhood (such as food insecurity). Also using food for comfort and the addictive nature of some foods are bad habits. Any type of addiction, including sugar addiction, can cause depression, mood swings, dependency, and much more. Addiction to sugar can also encourage binge eating disorder (BED). This is a type of eating disorder, as well as the night-eating syndrome (NES).

It’s not all bad news for sweet lovers

Cacao, the ingredient in chocolate, releases the same endorphins we enjoy when we fall in love. Of course, addiction to endorphins is also possible, and it’s all about moderation. Still, when consumed in moderation, we’re able to alter our mood for the better.
Dark chocolate also comes with a myriad of potential health benefits. It’s a natural superfood antioxidant. Is good for heart health and cognitive function, and protects from free radicals. Aim for a dark chocolate that’s at least 85%. The strength of the flavor and lack of dairy/sugar also helps keep you from over-eating.

Lack of proper nutrition and malnutrition is, unsurprisingly, linked to bad moods

Those with restrictive eating disorders such as anorexia and bulimia are known for having intense mood swings. This eating disorders includes purging but also covers any activity that removes calories to an excessive degree, such as exercising for hours.

It makes sense because our bodies are machines that require not just fuel, but the right fuel, to function properly. Lack of nutrition is linked to insomnia because the natural instinct to look for food trumps anything else, including the need for sleep. Radical changes in blood sugar levels can also impact a person’s mood. Malnutrition and lack of proper nutrition don’t make for a happy disposition.

False energy

Depending too much on false energy boosts such as caffeine, whether in soda or coffee, can also shift a person’s happiness position. We live in a culture where it’s not just accepted but encouraged by jokes and memes to be a monster before that morning cup of coffee.
However, needing caffeine – the most commonly used drug in the west – in order to function is a clear sign of dependency. If you think you’re addicted to caffeine, you likely suffer from at least moderate mood swings dependent on your intake. Try starting the morning with warm lemon water first and wait at least 30 minutes before consuming caffeine. Green and black tea, which contain caffeine but less than coffee, are a good alternative and come with health benefits.

For some, adopting a vegetarian lifestyle boosts their happiness quotient. That’s because they consider “kind eating" healthier for the planet. It’s not the right fit for everyone, but it highlights the importance of researching and knowing what’s in your food and how that impacts your happiness.

Author’s Bio:

Trevor is a freelance writer and recovering addict & alcoholic who’s been clean and sober for over 5 years. Since his recovery began, he has enjoyed using his talent for words to help spread treatment resources and addiction awareness. In his free time, you can find him working with recovering addicts or outside enjoying almost any type of fitness activity imaginable.

 

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.