Money May Not Buy Happiness, But Financial Stability Certainly Helps

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 Decorate With 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.

70 Positive Words for the International Day of Happiness

Positive Words Research has put together 70 positive words specially for you for the International Day of Happiness.

On 20 March the entire world is celebrating the International Day of Happiness.

The 70 positive words for the International Day of Happiness are:

  1. FAITH
  2. LOVE
  3. MIRACLE
  4. PURE LOVE AND LIGHT
  5. MAGIC
  6. HOPE
  7. SERENITY
  8. GRATITUDE
  9. HAPPINESS
  10. WORTHLY
  11. I AM ENOUGH
  12. PURE
  13. CONFIDENCE
  14. TRUST
  15. I AM HAPPY
  16. PROSPERITY
  17. ABUNDANCE
  18. CONNECTED
  19. LOVED
  20. NURTURED
  21. HOPEFUL
  22. HELPFUL
  23. GRACE
  24. EASE
  25. TRANQUILITY
  26. VICTORY
  27. POWER
  28. POWERFUL
  29. HEALED
  30. HEALTH
  31. VIGOUR
  32. FORCE
  33. OPTIMISM
  34. THINK POSITIVE
  35. BE LOVED
  36. I AM LOVED
  37. I AM CONFIDENT
  38. EQUANIMITY
  39. EQUALITY
  40. UNITY
  41. CONNECTEDNESS
  42. PERFECT
  43. PERFECTION
  44. PERFECT STREEM OF SYNCRONICITY
  45. CUTENESS OVERLOAD
  46. I GET PAID FOR BEING ME
  47. I AM WORTHLY OF LOVE
  48. WORTHY TO TAKE SPACE
  49. PROTECTED
  50. CARED FOR
  51. CARING
  52. CARE
  53. BEAUTY
  54. BEAUTIFUL
  55. I AM BEAUTIFUL
  56. SERENE
  57. LUCK
  58. LUCKY
  59. VIBRANT
  60. SHINE
  61. BRIGHT
  62. LIGHT
  63. SERENDIPITY
  64. POSITIVITY
  65. OPTIMISTIC PEOPLE
  66. GOD
  67. HOLY SPIRIT
  68. OM MANI PADME HUM
  69. GIFTING
  70. GIVING

Find more positive words in our list of positive words that starts with every letter of the alphabet.