How To Deal With Financial Difficulties

How To Deal With Financial Difficulties

Difficulties : A Part & Parcel Of Life

 

Difficulties Are A Part & Parcel of Life
Difficulties Are A Part & Parcel of Life

 

Life is a blend of easiness and difficulties. There are some things, people and situations which are extremely easy and even joyful to handle but there are also times when we feel helpless, sad and even depressed in handling the same things, people and situations. If we want happiness & ease in life, we also need to accept difficulties and hardships as a part and parcel of life. This is because ease and difficulty come in the same package called life. Ease & happiness are non-issues in life as we like them and want them to keep happening to us. The problem we face is with difficulties. We try to avoid them, handle them and eliminate them. Our life depends on how well we tackle these difficulties in life. So, we need to reach a point in life where we are no longer scared of any difficulty but enjoy moving ahead of them & simplifying them. That’s what makes our lives truly beautiful, peaceful & successful.

 

Financial Difficulties : An Issue of The Physical World

 

Financial Difficulties - An Issue of The Physical World
Financial Difficulties – An Issue of The Physical World

 

Difficulties can exist either in our minds or in reality. If we feel a problem to be more than it actually is, we just need to work on our mental balance, focus and inner peace. Most of the problems in life exist only in our minds and not in reality. This is where we need Spirituality. Spirituality helps us become the master of our mind and destiny. 

 

But there are other problems in physical life which are real and raise questions on our very survival and security. Economic, financial or monetary problem in life is the main issue in the physical world. How much money we have in our pockets and in our banks accounts decide how well our survival will be taken care of. If we don’t have enough of it, our survival is threatened. But even if we have enough money, we need to gather more of it in order to take care of our future security and safety. This is because physical world is quite uncertain and no matter how secure you are in the present, it can go to nought within moments via economic, natural or any other calamity. Hence, we need to continuously earn money in order to take care of our survival, security & safety in the physical world.

 

Types of Financial Difficulties

 

Types of Financial Difficulties
Types of Financial Difficulties

 

So, what problems do we face in relation to money in our lives? We can have low or no incomes. We may have an income that is satisfactory but below our expectations. We may have an income which meets our expectations but is sticky at this very level and refuses to increase. And we may have an income that is above our expectations but doesn’t go up further. We need to find solutions to all of these monetary issues if we want to insure our present & future. So, we will try to find out what we need to do in each of these situations. 

 

But apart from these situations, there is another economic difficulty which is often overlooked by us but is extremely important. This is related to the sustainability of our incomes which means that we need to ensure that our incomes do not fall drastically below our current or established incomes. There is no point in having a very high income this month and having no income at all in the next. This is because this irregularity and inconsistency of income is a bigger threat than low incomes because it raises serious questions on our skills as a professional and our ability to stay financially consistent, stable & secure in life. It says that the high income we earned last month was may be by fluke and that it was an aberration. It says that the income may have been the result of a gamble, chance or generosity of someone. So, we need to have a stable source of income. 

 

Another economic difficulty is the hardship or stress we go through while earning our incomes. This is related to our previous concern which was about a sustainable source of income. If we have to go through a lot of stress in earning our money, it will probably not be a consistent/sustainable source of income. We would at some point of time break down mentally, physically or emotionally which will seriously jeopardize our ability to earn money in future. On top of this, money earned through a lot of stress in our system would most probably go in curing a disease that we might catch in future due to the stress we underwent while earning that money. Hence, there is no point in earning money in a way that gives us stress, anxiety and agony. 

 

So, what we are trying to find out here basically are the ways to earn a high, stable and stress-free income that secures our & our family’s present & future. So, let’s begin by exploring ways to come out of a low or no income.

 

Going Past A Low Income Level

 

Going Past A Low Income Level
Going Past A Low Income Level


 

No or a low income is a major threat to our life and well-being. It poses the biggest and the deepest questions on our survival and makes us go through all kinds of problems in life. Buying our basic necessities is also difficult when we have a low income. Food, health, home, clothing and sanitation becomes extremely difficult to access. Low incomes is not only a real issue but the psychological agony it gives to people is beyond comprehension. Only the people who have low incomes would know how it feels when our needs and the means to survive are forcefully curtailed. 

 

But we don’t have to see it as a bad thing. We don’t have to feel inferior of ourself or pity on ourself. We have to make our weakness our strength only then we can use it as a pillar to rise above it. But how do we do this? Low income is not a joke and is something real which many people have to go through unfortunately. How can we make it our strength? The answer lies in our Mind! Our physical reality, to be changed, needs dilution of its rigidity in our minds. If we keep reminding ourselves that we are in a bad situation, we will  remain caught-up in that situation forever. Our thoughts are not physical, they are intangible and flexible. So, what we need to do here is that instead of focussing on our physical reality, we need to use the nature of our mental reality. We have to stop telling our mind again and again that we have a low income and that we are in a bad situation. Doing this will open up our mind to new possibilities which will help in changing our situation. 

 

When we stop seeing low income as a bad thing, the next thing that we need to do is to find happiness in what we already have. We may have a low income but we are capable of being happy in any situation. Focus on things that you have in life and realize their importance. You have many things which you can be thankful about. The fact that you are alive. The fact that you have a family and people who care about you. The fact that you can always change your situations for the better. When we learn to be happy in intangible things, that is when tangible benefits begin to flow smoothly in our lives. But if we keep cursing ourself and our situations about not having enough money, we are closing all possibilities to earn a high amount of money. So, first we need to become happy without money in our lives. Once we do this, we are ready to earn a high amount of income & wealth in our life. 

 

The next thing we need to do is to find a work that we like doing and which maintains our level of happiness. If we start doing something that reduces our happiness levels, it means that we are simply doing it for money. This will make us a slave of money and will never let us earn lots of it. Moreover, if you are not happy enough doing that work, you will either soon leave it or will become depressed in life. So, we need to be cautious that our work maintains our level of happiness in life to the same level before we started doing it. 

 

Now, it may be the case that you are happy but this work is not giving you a good income. But don’t worry about that. If you really like doing what you are doing, you will improve and expand very quickly in it and your income will grow very fast in a short span of time. People will pay you more for your skills. Big companies would want to hire you. And if you still feel that your income isn’t rising, you can always start your own little business or find some other work that you really like doing. Modern times & technology has today given us the luxury of pursuing any of our hobbies as our careers. You can choose any of your hobby as your profession and use social media to market it and earn money out of it. So, this is how we can come out of our low income’s vicious circle. Once we get out of it, subsequent problems related to money are much easier to handle and solve.

 

Solution To A Satisfactory But Below-Expectation Income Level

 

Solution To A Satisfactory But Below Expectation Income Level
Solution To A Satisfactory But Below Expectation Income Level

 

The next problem is an income that is satisfactory but below our expectations. So, the question is how to increase our income from satisfactory to a point where it matches our expectations? The answer is simple : Neither be satisfied with any income nor expect yourself to earn any particular amount of income. Satisfaction & Expectations are boundaries that keep you within certain thresholds of income. Tell me, if you are satisfied with something, will you ever really push yourself to move beyond it? You will keep giving in the same amount of efforts which will keep you on the same income level. Similarly, simply expecting yourself to earn a certain amount of money won’t actually make you earn it. Expectation is just a psychological longing that never gets realized. It only keeps expanding more & more even after getting realized. It just makes you miserable in the present and away from living your life fully.  It only gives you mental struggles and turmoil within. 

 

So, we first need to go beyond satisfaction and expectations. Once this gap between satisfaction & expectations gets removed, we realize that mediocrity of ability and incomes no longer exist. We are free to work our hearts & minds out to match our capabilities & abilities. This frees us from a particular state of mind, state of physical action and state of income and opens us up to a whole new set of possibilities. This takes us to an income level which we are really worthy of. So, to stop hanging in between our satisfaction and expectations, we need to hold them less tightly or remove them completely from our minds!

 

Solution To An Income Level Sticky To Expectations

 

An Income Level Sticky To Expectations
An Income Level Sticky To Expectations

 

The next level of problem is where one is stuck at an income level that matches his/her expectations. We can take cue from our previous paragraph here. When you are gifted with the ability to earn an income which you expect, why keep your expectations limited? Remove your expectations and just look at infinity. This will take you to your potential income. Expectations keep us small by making us work hard only to the extent that lets us match our expectations. Once, we remove our expectations we become open and unlimited in our efforts which makes us grow leaps & bounds financially!

 

Solution To A Higher Than Expectations But Sticky Income Level

 

Solution To A Higher Than Expectations But Sticky Income Level
Solution To A Higher Than Expectations But Sticky Income Level

 

The next problem is where we are above our expected level of income but we are not able to move beyond it. A part of the problem here is again our expectations. This is because we cannot go too much beyond our expectations. The ‘gravitational pull’, of our expectations will always keep us within its ‘orbit’. Either you should have a force that is capable of taking your income beyond this orbit or you shouldn’t have any expected income at all in order to reach your true potential income. 

 

The other thing that is of importance here is our ability to increase our ability and the willingness to work more. Once we don’t have any expectations left, our income solely depends on our skills, intelligence and wisdom. We should work towards increasing our skills further if we want a higher income. Our skills are directly related to the income that we can generate or earn for ourself. So, the higher our skills reach, the higher our income would go. If we want our incomes to rise, we need to constantly enhance, upgrade and improve our skills. 

 

Creating Sustainability of Income & Wealth

 

Creating Sustainability of Income & Wealth
Creating Sustainability of Income & Wealth

 

The next economic hardship relates to sustainability of our incomes. If our hard-earned money gets washed away in no time or the level of our monthly income drops dramatically, it’s a big threat to our hard-earned money & to our economic security. So, we need to ensure that our income & wealth are sustainably increasing. How do we do this? The only solution to this is Diversification. To have an ever-increasing, sustainable & stable income & wealth we need to have diversified skills, diversified income sources and diversified investments. The lower the diversification quotient, the lower the sustainability of our income & wealth. 

 

So, to diversify your skills, keep learning new things and keep improving your older ones too. Keep learning and diversifying your understanding and practical knowledge about your field as well as other fields you are interested in. And to diversify your income sources, keep using these new-found knowledge and newly-developed skills to  to earn more money and add to your economic security. Then finally, in order to make this multiple-sources-earned money grow, invest them in multiple sectors, areas & avenues. For example, you can invest some money in real estate sector by buying houses and land. You can also invest in mutual funds which are a safer alternative  than directly investing in the stock markets. You can also put money in Fixed deposits and other tax-saving assets in the government or private sector. 

 

When your money has only one source and one location, it is bound to be vulnerable to falls and reductions. The more you diversify your skills, income sources and investments, the more this risk comes down. But remember, never diversify just for the sake of diversifying. Diversify only according to your ability, skills & knowledge. Diversify only to the extent you can manage this diversification. 

 

Earning Money Stress-Free

 

Earning Money Stress-Free
Earning Money Stress-Free


 

Another economic hardship that relates to sustainability, as talked earlier, is the presence of stress while earning money. The process of earning money should be absolutely stress-free so that we are able to sustainably & consistently work towards earning it. This means that the work or profession you choose should be something you really like doing. This is because if you don’t like what you do, you would get a lot of stress which will make the money you earn absolutely worthless. Happiness should always be the driving force in whatever you choose to do in life. If you become a slave of money in the process of earning it or if you choose a profession you don’t like, stress is bound to happen. So, the first and last wise rule to earn money is to always keep Happiness above money. This is because money is monetary but our life, peace & happiness are precious!

 

Conclusion

 

To summarize, economic hardships in life are a consequence of our mental state more than our physical reality. If we can become open, free and fearless in our minds, we can easily understand ourselves and develop the required knowledge & skills within ourself to earn any amount of money we want in life. Money is the most important ingredient of our survival and security in the physical world and it should come to us without any hardships. Only when this happens can we truly say that we have learnt to survive and thrive on this planet!

 

Earn Money Happily
Earn Money Happily

 

 
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9 thoughts on “How To Deal With Financial Difficulties”

  1. As you study the metaphysics of a course in miracles, which is rather deeper than just "the words" of the Course, you will attain a kind of pattern or set of simple laws which you understand to make perfect sense. These can be rather abstract so it can entail some learning to generalize the learning and understand that it's all grounded on a simple set of logic. But when you then get the simple logic, you can now use that simple logic to observe undeniably any part of life, any activity or drive or way that something happens, and describe it in terms of what the metaphysics says about it, which will be the truth. Irrefutable truth. Provided your grasp of the metaphysics is clear and consistent and you're not making subtle logical errors, the metaphysics gives you vision to be able to see the truth of what's happening or where things fit together.
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