If you have a difficult time with financial planning and money management, perhaps it is time to look at money matters with a new perspective. Even if you are not a really “into” finance, you will find that money is a frequent topic of conversation be it from people you know, your financial planner, all the money experts on TV, your own sense of guilt, etc.—instead of feeling as if you are being nagged, consider that you are being reminded to invest in yourself.
If you don’t like paying bills or would rather spend than put more money towards debt, stop thinking of these things as obligations and think of them as an investment in your future. The less debt you have, the more money you free up to reach your goals. And if you have bills that you resent, you can find ways to change your lifestyle to reduce or eliminate those costs. Invest time and energy into finding a way to meet basic needs and financial necessities that works for you.
Saving money can also seem like a chore, but remember that money is for you. An emergency fund will be there to help you when you need to use it—for something like unexpected home or car repairs. Yes, the money may go to pay someone else but having it ready can reduce your stress.
In addition to financial planning, there are other ways to invest in yourself, such as professional development, that will cause you to spend money on something other than everyday expenses. Whether you take a course or return to school for a degree, it will cost you in money and/or time but if you plan wisely, it can be a worthwhile investment.
You will need pay money out to various individuals and institutions but consider the best way to get a return on your investments and take any gains and re-invest them in your financial wellbeing.