There is a very important component in getting to be confident and playful about money. I know that sounds very strange to consider money and playfulness in the same sentence but hear me out. When you have a carefree attitude about money things can shift in the most unexpected ways. Carefree does not mean become less responsible; it actually allows you to be more positively responsive to the reason for having money.
One of the fear-producing aspects of managing money is not really knowing where both your physical money is and your beliefs about where it is. I know exactly what I have in the bank, what my expenditures are, how much I am saving each month for both long term and contingent items. I know how much to put away for taxes, living expenses, and handling any debts that I have incurred (car payments, new washer dryer, etc). This allows me to stay focused on what gives me pleasure and how I can have those things.
I had many scary beliefs about money and every now and then I find I get caught in the web of “general consensus” and I can breathe myself back to letting that “shit” go. I would suggest that when working with your finances you get a true picture of what you spend monthly (this may take some time and evaluation) and from this you can
- find out what you need to ‘live’ on,
- know what your spending habits are and
- make adjustments if necessary.