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ARE YOUR ENDLESS LISTS AT THIS TIME OF YEAR CAUSING YOU STRESS AND ANXIETY?…

At this time of year we find ourselves with lists for so many things that are going on in December, but are they causing you more stress and anxiety?

Can to do‘ list’s cause anxiety? Appointments, dinners, errands, we’re all juggling a million things at once and ‘yes’ some experts say that ‘to do lists can cause anxiety.

Psych Central say that ‘If you make a to-do list, carefully look at each item. How much emotional energy will you need for each one? If you tend to have the most energy in the morning, then pencil in the high-energy tasks first thing. Also, decide that you will not feel guilty for anything on your list. For example, if you want to set aside 20 minutes to folding laundry tomorrow, then give twenty minutes of your whole heart to folding laundry. Know that you are doing something of value, and don’t waste one bit of energy wishing you were doing something else.’

I am a typical ‘to do list person and I can appreciate that it can cause anxiety as I get really anxious if I don’t manage to get through what I have on my list. I also add to the list constantly which doesn’t help me to get through the list but I do get a buzz from crossing off what I have listed on it. Personally, I think the opposite as I always feel great when I have written everything down and more anxious when I have lots of things going through my mind.

Flex Jobs wrote that 50% of people are feeling “moderately stressed” and suffering negative effects on their mental health because of their never-ending to-do lists.

Some people like to write everything down. I actually love writing my to do list and have endless books I can write them in. There are endless pads and books you can buy to put your to do list onto which I have put on my Christmas present list !!! This simple Today Daily Planner Notepad for £4.40 is simple and easy to have around.

Another one I like is Organise Chaos Planner for £8. It has have everything you need to get organised in this Pastel Patter themed organiser, the perfect size to pop in your bag and carry with you.

Presented with Pastel Patter illustrations, there are four tabbed sections titled Planner, Notes, To Do List, Addresses, and a plastic zipper wallet for keeping papers, receipts etc.

The hardback folder and elasticated closure provides protection for the pages and the wire bounding makes it easy to flip between the sections.

Another option is to download an app Build A Wellness Blog writes about an app called the 24me. This app to keep you organized is essentially a calendar, to-do list, notes, and reminders – all in one place. It integrates with Google Calendar and shows any of your calendar events within the 24me app, so you can see everything in one spot. She suggests how you can use this app.

Here are some ideas:

  • You can set reminders to pay bills, and include a link to that company’s website so you’re able to quickly pay when the reminder pops up.
  • Link it to your social account like Facebook so you don’t lose track of friend’s birthdays. (Note – I was never able to get mine to link properly, but maybe you’ll have better luck).
  • Add tasks to sections for “the upcoming week” and “later”.  Both of these are really helpful when you’ve got tasks that need to get done at some point, but aren’t urgent.  It’s a way of getting items out of your brain and into some sort of queue so they actually happen at some point.
  • Set reminders to email people (contacts are available from your email accounts) for follow up with potential clients, brands, etc.

24Me can also send alerts to remind you of your daily to-do list. It helps get you organized in life from daily to-dos to personal finances, and everything in between.

You could also just go to Pinterest and tap in ‘to do‘ list and you will be shown a page full of free to download ‘to do‘ lists just ready to start filling in and I am quite sure you will not feel in the least bit anxious about writing it, in fact some say daily ‘to do‘ lists can help productivity. Do you write a ‘to do‘ list and if so what on?

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TIPS & INFORMATION ON MANAGING YOUR FINANCES DURING THE COVID-19 PANDEMIC…

I am sure I am not alone in knowing someone be it a family member, friend or acquaintance who has lost their job due to the pandemic.

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I am also sure I am not alone when I say that finance worries can affect your health in a big way. Stress creates many health problems and can even flare up old ones. We are going through an exceedingly difficult period now and getting our finances in order is essential. People suffering from mental health and anxiety due to the Covid Pandemic will struggle even more.

I have spent some time online looking through different sites for information and topics on finance related information. From savings, budgets, retirement planning, mortgages and personal loans and I think the one thing they all have in common is that you need to calculate anything related to your income and outgoings.

Health is something I write about daily and that includes my own health which as many of my readers will know has taken a bit of a nosedive recently. So, I did take a quick look at Health Insurance. I do have my own but like many insurance policies be it for health, home or car you try and keep the monthly payments down by adding on an excess amount which you pay yourself before the insurance company starts paying for your claim. Researching a bit further on the cost of self-pay for health treatments lead me down the personal loan route, to see if that is something worth thinking about before my next renewal.

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Loans, according to Bloomberg are not just for anyone even large companies like American Airlines are taking them out but they say that it’s the small businesses, who are the beating heart of the US economy and the ones who have needed Covid loans the most. The UK have Covid Bounce Back Loans for small companies for the same reason. But, what about Mr/Mrs Joe Public who is retired, has saved all his/her life for retirement and is now finding their funds diminishing by the day? This pandemic is certainly something they will not have planned for and although the younger generation may think it’s such a long way off they don’t need to worry it’s important that they understand how no one knows what life is going to throw at us.

I found a great list of expert and useful tips from Forbes on ‘Financial Tips for Surviving Covid-19’, which included making a list of ‘separating wants from needs’, ‘taking advantage of a line of credit’, and or ‘utilizing your credit cards’ and more.

Of course, before trying out anything it is essential that you work out your monthly income and outgoings. Take into consideration that this pandemic may last another six months at the very least and we are about to enter Autumn then Winter when our heating and lighting will be on a lot more than it has been on for the last six months.

Do not be frightened to get in touch with any of your own insurance companies and comparison sites to find the best one for you. It is a minefield out there but if you tread carefully you can get through it. I found this great site called Pigly which has calculators for different loans, insurance and even a budget calculator with budget planning, paycheck estimator and cash flow etc.

Dealing with your finances at any time is not everybody’s idea of having fun but needs must now so look at it with your eyes fully open and not half shut. I am a big fan of the Money Magpie site which also has lots of tips on hidden expenses to include in your budget plan which include ‘optometrist appointments’, prescription medication, books and audio subscriptions, house contents insurance, car maintenance, boiler maintenance and much more. And of course the well known Money Saving Expert’s site has MSE Coronavirus Guides which include Coronavirus Finance and Bills Help.

Once you have sat down and written your budget plan, even if it’s not looking so good it will still feel like you have lifted a weight from your shoulders as you have actually starting doing something about it. Just remember to use reputable companies when looking for any further dealings.

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