{"id":3803,"date":"2022-12-05T05:27:10","date_gmt":"2022-12-05T05:27:10","guid":{"rendered":"https:\/\/1finance.co.in\/magazine\/?post_type=blog&p=3803"},"modified":"2025-08-02T14:41:56","modified_gmt":"2025-08-02T09:11:56","slug":"what-do-you-do-to-feel-less-anxious-about-money","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/what-do-you-do-to-feel-less-anxious-about-money\/","title":{"rendered":"What Do You Do to Feel Less Anxious About Money?"},"content":{"rendered":"

We all feel it. Anxiety, insecurity and worry about money are common, at every stage of life. For many, thinking about finances can bring up paralysing fears and unpleasant thoughts \u2014\u00a0but what do we do next? Each of us has our own way of confronting (or avoiding) these emotions, which \u2014 for better or worse \u2014 is fundamental to our relationship with money and the uncertainty that inevitably surrounds it. We asked an eclectic group of people what they do to feel less anxious about their finances. Read on.<\/span><\/p>\n

Taking Taxes into Account<\/h2>\n

Usually, the notion of \u2018month end\u2019 comes along with a hope to start fresh in the next month. However, this is not the case when you\u2019re on the other side of the table and are playing the part of an employer. As a business owner, chasing and fulfilling monetary targets and goals has never been a reason to add to my anxiousness. Rather, during the first week of every month, when I am due to pay out my bills and salaries, it can become mentally taxing. In order to ensure that I\u2019m in check of my finances and mentally less apprehensive, I plan out my months in terms of gains and expenses in advance. One constructive method I practise is specifically for Income Tax Returns. I maintain an ITR reserve through the year, which not only helps me gain some interest on my savings, but also avoids a major chunk of money from being wiped off if I am unprepared. Taking baby steps towards creating such targeted reserves and segregating funds keeps me from feeling anxious financially.\u00a0<\/span><\/p>\n

\u2014<\/span><\/i>Advaith Nayar<\/b>,<\/span> founder, Magari Caf<\/span><\/i>e\u0301<\/span><\/i><\/p>\n

Cultivating Discipline<\/h2>\n

I\u2019m anxious about having enough money to sustain myself post-retirement. I don\u2019t know how much money I will need at 60, or at 70, or at 80. That is the anxiety. My upbringing has been such that, for me, savings are very important. The moment I started earning, I took some actions \u2014 I started an SIP, some mutual funds \u2014 but those were not linked to a specific milestone in my life. I feel like I need to save more, and that\u2019s at least helping me manage or deal with the anxiety. Each time I make a big purchase or decision, I try to be more intentional about it. I\u2019m putting aside money in two different financial products, and hoping that\u2019ll help me plan my retirement.<\/span><\/p>\n

\u2014<\/span><\/i>Anooj Mehta<\/b>, <\/span>Vice President, Partner Success at 1 Finance<\/span><\/i><\/p>\n

Little Steps<\/h2>\n

As an entrepreneur, cash flows are always a challenge and depleting bank balances send me into a tizzy! Over time, I\u2019ve tried to shore up and invest some money when it comes in, and tried to get a better understanding of my spending. For someone who\u2019s not so intuitive with numbers, that feels like a lot! With practice, and a little bit of help, I\u2019m hoping to get a whole lot better.<\/span><\/p>\n

\u2014<\/span><\/i>Antaraa Vasudev<\/b>,<\/span> founder, Civis<\/span><\/i><\/p>\n

Financial Date Nights<\/h2>\n

Currently, I have a home loan to pay off, and budgeting is what I completely fall back on for this. Strong budgeting is key to facing all financial challenges. Also, every year on our anniversary, my husband and I go on a financial date \u2014 the point is to discuss our finances openly, without any distractions or time restrictions. This might sound a little funny, but we have actually prepared an agenda because both of us belong to the finance profession. This year, the main agenda will be that we want to prepay a part of our home loan \u2014 so we\u2019ll decide how much it would be, from which investments we shall plan to repay and how much we should increase the EMI to reduce the tenure of the loan.<\/span><\/p>\n

\u2014<\/span><\/i>Charmi Shah<\/b>, <\/span>Certified Financial Planner and co-founder, Torient Services<\/span><\/i><\/p>\n

Building a Safety Net<\/h2>\n

Recently, I\u2019ve had two houses to take care of. I moved in with my partner, so we have that house to manage, and then there\u2019s my parents\u2019 house. Now that they\u2019ve moved out, all the expenses are on me \u2014 the utilities, the repairs, and so on. These are things I never had to pay for or worry about before. Now, every month, I find myself hoping that nothing breaks in the house \u2014\u00a0or in the five cars and three bikes that I own. I do get a little anxious for these things because that\u2019s something I don\u2019t usually factor into my budget. What gives me comfort is that I started saving money very early on, so now even if something happens, I have enough to tide me over. Just having that safety net helps. I have a target of increasing it every year, and whenever there are some really good months where business is booming, I put the money into a fixed deposit, for a rainy day. The fact that I have a substantial health insurance cover is also a factor that contributes to my peace of mind.<\/span><\/p>\n

\u2014<\/span><\/i>Noel James Nelliyattu<\/b>, <\/span>founder, NellyAuto<\/span><\/i><\/p>\n

Embracing Uncertainty<\/h2>\n

In an episode of <\/span>Sex and the City<\/span><\/i>, a 30-something Carrie finds out that she has spent all her money on shoes, bags and clothes, and has close to nothing in her bank account. In my early 20s, I was like, \u201cWho does that?!\u201d At my undisclosed age, I have found out, it\u2019s people like me. However, I don\u2019t get that stressed about money. Usually, I spend what I make, hoping to earn truckloads in the latter half of my life, if I don\u2019t pop early. Whenever I do get a little stressed, since investing is not really my forte, I usually take assistance from a financial advisor to manage my money, or else, just FD it. I have been told it is never good to store your cash, if you have any.<\/span><\/p>\n

\u2014<\/span><\/i>Samidha Tyagi<\/b>,<\/span> lawyer and partner, Desai & Dewanji<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

We all feel it. Anxiety, insecurity and worry about money are common, at every stage of life. For many, thinking about finances can bring up paralysing fears and unpleasant thoughts \u2014\u00a0but what do we do next? Each of us has our own way of confronting (or avoiding) these emotions, which \u2014 for better or worse […]<\/p>\n","protected":false},"featured_media":2136,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_updated_date":""},"blog-category":[],"acf":[],"yoast_head":"\nWhat Do You Do to Feel Less Anxious About Money?<\/title>\n<meta name=\"description\" content=\"Explore insightful articles on finance, investments, and money management on our blog. 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