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# Financial Mindfulness

Measure and reduce financial stress

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## Posts

- [Navigating Financial Stress in Relationships](https://financialmindfulness.com/navigating-financial-stress-in-relationships/) - Navigating Financial Stress in Relationships - Communication Breakdown - Power Imbalance - Trust Issues - Emotional Strain
- [Mortgage Rates: An Each-Way Bet](https://financialmindfulness.com/mortgage-rates-an-each-way-bet/) - Mortgage Rates: An Each-Way Bet - Inflation - Homeowners - Consumer Price Index - Reserve Bank of Australia - Financial Planning
- [Managing Anxiety Caused by Finances](https://financialmindfulness.com/managing-anxiety-caused-by-finances/) - Managing Anxiety Caused by Finances- Common Symptoms of Financial Anxiety - Strategies to Manage Financial Anxiety - Assess Your Financial Situation
- [How to Lower Your Cost of Living](https://financialmindfulness.com/how-to-lower-your-cost-of-living/) - How to Lower Your Cost of Living - Reduce Utility Bills - Save on Groceries - Reduce Housing Costs - Limit Discretionary Spending - Discount and Cashback Offers
- [Understanding and Avoiding Impulse Spending](https://financialmindfulness.com/understanding-and-avoiding-impulse-spending/) - Understanding and Avoiding Impulse Spending - Emotional Triggers - Sales and Promotions - Credit Cards - Social Influences - Advertising
- [How can I improve my credit score](https://financialmindfulness.com/how-can-i-improve-my-credit-score/) - How can I improve my credit score - Understand Your Credit Score - Pay Your Bills on Time - Reduce Your Debt - Limit Credit Applications
- [How Much Should I Be Saving for Retirement](https://financialmindfulness.com/how-much-should-i-be-saving-for-retirement/) - How Much Should I Be Saving for Retirement - Superannuation - Aged Pension - Retirement age - Inflation - Tax benefits - Daily living costs
- [How to Pay Off Your Credit Card Debt Faster](https://financialmindfulness.com/how-to-pay-off-your-credit-card-debt-faster/) - How to Pay Off Your Credit Card Debt Faster - Understand Your Debt - Prioritize High-Interest Debt - Consider the Snowball Method - Cut Unnecessary Expenses
- [Mindfulness and the Sunk Cost Bias](https://financialmindfulness.com/mindfulness-and-the-sunk-cost-bias/) - Mindfulness and the Sunk Cost Bias - Understanding the Sunk-Cost Fallacy - Debiasing the Mind Through Meditation: Mindfulness and the Sunk-Cost Bias
- [Dealing with financial stress from increased cost of living](https://financialmindfulness.com/how-to-deal-with-the-financial-stress-from-increased-cost-of-living-pressures/) - Dealing with financial stress from increased cost of living - How budgeting helps - Budgeting tips - The cost of living and financial wellbeing
- [Power of Mindfulness over bad financial decision making](https://financialmindfulness.com/power-of-mindfulness-over-bad-financial-decision-making/) - Power of Mindfulness over bad financial decision making - University of Georgia - Virginia Commonwealth University - Regular mindfulness practice
- [Sunk cost fallacy and mindless behaviour](https://financialmindfulness.com/sunk-cost-fallacy-and-mindless-behaviour/) - Sunk cost fallacy and mindless behaviour. If you’ve ever persisted with a dead-end job, a loveless relationship or a university degree you quickly regretted starting, all in the hope things will somehow improve, you might want to pay attention. Maybe you’ve endured reading a novel you hated from the first chapter or stayed through a
- [The Path to Financial Freedom](https://financialmindfulness.com/financialfreedom/) - Financial freedom - Practical Steps Towards Financial Freedom - Financial wellbeing - Defining Financial Freedom - The path to financial freedom
- [Money, relationships and stress](https://financialmindfulness.com/money-relationships-and-stress/) - Money, relationships and stress. Whether we like it or not we live in a world that runs on money, especially in OECD nations. Everything has a cost and our capacity to pay market rates is constrained – and balanced - by our ability to earn and save. What we want and what we can afford
- [Ten steps to increase your financial literacy](https://financialmindfulness.com/ten-steps-to-increase-your-financial-literacy/) - Ten steps to increase your financial literacy. The feeling of fear and anxiety of not knowing your subject matter strikes most of us. When it comes to your finances, it is no different. Making financial decisions comes with consequences, both good and bad. Being financially illiterate, however, increases your chance of making poor decisions. It
- [Essential Tips to Tackle Post Holiday Debt](https://financialmindfulness.com/essential-tips-to-tackle-post-holiday-debt/) - Essential Tips to Tackle Post Holiday Debt- The first steps to facing the reality of your debt - Lea Clothier - Strategies for Managing Debt
- [Top Tips for Overcoming Under Earning Challenges](https://financialmindfulness.com/top-tips-for-overcoming-under-earning-challenges/) - Top Tips for Overcoming Under Earning Challenges - Address Limiting Beliefs - Research Market Rates - Seek Support - Explore Additional Income Streams
- [How to budget successfully](https://financialmindfulness.com/how-to-budget-successfully/) - How to budget successfully - Determine your household income - Money Smart - Gumtree - Tracking your living expenses - Mindset
- [Under-earning and financial stress](https://financialmindfulness.com/under-earning-and-financial-stress/) - Under-earning and financial stress - Ted Talk - What to do about under-earning - Overcoming under-earning - Symptoms of under-earning
- [Ways to Budget](https://financialmindfulness.com/ways-to-budget/) - Ways to Budget - Budgeting Apps - Microsoft Excel - Google Sheets - Budgeting is essential to improving your finances - Budgeting
- [How a no-spend challenge can help your financial goals](https://financialmindfulness.com/how-a-no-spend-challenge-can-help-your-financial-goals/) - How a no-spend challenge can help your financial goals - Track progress - Lea Clothier - Complusive spending - Goal setting
- [Benefits of Budgeting](https://financialmindfulness.com/benefits-of-budgeting/) - Benefits of Budgeting - Save money - Pay off debt - Invest in your retirement - Avoid credit card interest - Avoid buy now pay later products
- [Review your Spending](https://financialmindfulness.com/review-your-spending/) - Review your Spending - Paying bills - Discretionary items - Variable expenses - Luxury items - Clothes - Entertainment - Subscriptions
- [Our Guide to last minute Christmas shopping](https://financialmindfulness.com/our-guide-to-last-minute-christmas-shopping/) - Guide to last minute Christmas shopping - Experiences are more memorable than things - Giving isn’t only about spending a lot of money
- [Planning ahead with money](https://financialmindfulness.com/planning-ahead-with-money/) - Budgeting - Unexpected expenses - Planning ahead with money - Interest rates - Medical expenses - Membership renewals - Home maintenance and repairs
- [Mindfulness to manage unexpected expenses](https://financialmindfulness.com/mindfulness-to-manage-unexpected-expenses/) - Unexpected expenses - Mindfulness - Manage unexpected expenses - Mindfulness practice - Guided meditation - Cope emotionally and financially
- [Introduction to Mindfulness](https://financialmindfulness.com/introduction-to-mindfulness/) - Mindfulness - Introduction to mindfulness - Mindfulness meditation - Practice of cultivating present-moment awareness - non-judgmental attention
- [Practical tips to organise your personal finances](https://financialmindfulness.com/disorganised-finances-part-2-of-2-practical-tips-to-organise-our-personal-finances/) - Practical tips to organise your personal finances - Regular bills - Varaiable bills - Impulse spending - Budgeting - Reduce shame around money
- [A detailed look at Financial Stress](https://financialmindfulness.com/a-detailed-look-at-financial-stress/) - A detailed look at Financial Stress - Dr Nicoal Gates - Where psychology and finance meet - The role of finances in good health - Brain, cognition and behaviour
- [When mindfulness might not work](https://financialmindfulness.com/when-mindfulness-might-not-work/) - When mindfulness might not work - Australian Financial Review - Chambers and Queensland Cancer Council - Mindfulness - Griffith University
- [Proven: the power of mindfulness over bad financial decisions](https://financialmindfulness.com/proven-the-power-of-mindfulness-over-bad-financial-decisions/) - Proven: the power of mindfulness over bad financial decisions - Journal of Psychological Science - University of Georgia - Virginia Commonwealth University
- [8 tips to win against the rising cost of living](https://financialmindfulness.com/8-tips-to-win-against-the-rising-cost-of-living/) - 8 tips to win against the rising cost of living- Inflation - Consumer Price Index - Budgeting - Financial planning - Debt management
- [Achieve Financial Success Through Budgeting](https://financialmindfulness.com/achieve-financial-success-through-budgeting/) - Achieve Financial Success Through Budgeting - Financial Awareness - Financial Mindfulness - Goal Setting - Expense Control - Debt Reduction
- [Unveiling the Power of Money Beliefs](https://financialmindfulness.com/unveiling-the-power-of-money-beliefs/) - Unveiling the Power of Money Beliefs - The Origins of Money Beliefs - The Influence of Money Beliefs on Financial Behaviour
- [The World Happiness Report 2024 and the Pursuit](https://financialmindfulness.com/the-world-happiness-report-2024-and-the-pursuit/) - The World Happiness Report 2024 and the Pursuit - Resilience in the Face of Adversity - The Role of Mental Health in Wellbeing - Will Smith
- [The strong desire for home ownership in Australia](https://financialmindfulness.com/the-strong-desire-for-home-ownership-in-australia/) - The strong desire for home ownership in Australia- Sense of Security and Stability - Great Southern Bank - Sense of Pride and Identity - No place like home
- [Embracing your Golden Years](https://financialmindfulness.com/embracing-your-golden-years/) - Embracing your Golden Years - The Importance of Retirement Planning - The Changing Face of Retirement - Superannuation - Pathways to a fulfilling retirement
- [How to Raise Money Smart Kids](https://financialmindfulness.com/how-to-raise-money-smart-kids/) - How to Raise Money Smart Kids- Lead by Example - Start Early and Make It Fun - Teach the Value of Money - Spriggy - Foster Open Communication
- [The Financial Side of Starting a Family](https://financialmindfulness.com/the-financial-side-of-starting-a-family/) - The Financial Side of Starting a Family - Assess Your Current Financial Situation - Create a Family Budget - Plan for Parental Leave and Childcare
- [Managing financial stress and mindfulness](https://financialmindfulness.com/managing-financial-stress-goals-mindfulness-and-monitoring-progress/) - Managing financial stress and mindfulness. In the second part of our financial stress webinar covering managing financial stress, we look at goals, mindfulness, and monitoring progress with expert help from Lea Clothier, a Master-certified behavioural money coach involved in the development of the Financial Mindfulness program. Part one looked in detail, decision making, literacy, and
- [Taking stock of 2021 to plan for 2022](https://financialmindfulness.com/taking-stock-of-2021-to-plan-for-2022/) - Taking stock of 2021 to plan for 2022 - Budgeting - Goal setting - Assessing past goals - Review your wins as well as your losses
- [Managing financial stress - Decision making, literacy, learning new skills](https://financialmindfulness.com/managing-financial-stress-decision-making-literacy-learning-new-skills/) - Managing financial stress - Decision making, literacy, learning new skills. In the first part of our financial stress webinar covering managing financial stress, we take a detailed look with expert help from Lea Clothier, a Master-certified behavioural money coach involved in the development of the Financial Mindfulness program. https://vimeo.com/612305408 There are so many triggers to
- [Can you actually afford to buy?](https://financialmindfulness.com/can-you-actually-afford-to-buy/) - Can you actually afford to buy - Property market - Reserve Bank of Australia - Interest rates - Home loans - Property value
- [Why women suffer more financial stress](https://financialmindfulness.com/why-women-suffer-more-financial-stress/) - Why women suffer more financial stress - Gender pay gap - Australian Psychological Society - NAB - Australian Bureau of Statistics
- [How renters can avoid fear of financial failure](https://financialmindfulness.com/how-renters-can-avoid-fear-of-financial-failure/) - How renters can avoid fear of financial failure - Financial independence without owning a home - Vanguard Index Report - Real benefits of renting
- [How can we reduce mortgage stress](https://financialmindfulness.com/mortgage-stress/) - How can we reduce mortgage stress. Despite sustained, record low interest rates, repaying a mortgage remains one of the most significant financial stressors for many Australians. According to Moody’s Analytics, 20 percent of all Australian households are said to be under mortgage stress in Australia. Government figures record just over a third of Australian households has a
- [The Australian dream holds big financial risks](https://financialmindfulness.com/the-australian-dream-holds-big-financial-risks-so-mindfulness-is-essential/) - The Australian dream holds big financial risks. It’s said that the American dream is upward mobility – the ultimate example being to become the US President. The Australian dream seems more modest – home ownership, especially the good-old quarter acre block. But arguably it comes with bigger risks than the American dream, especially for Australians
- [Proving the business case for financial wellness programs](https://financialmindfulness.com/proving-the-business-case-for-financial-wellness-programs/) - Proving the business case for financial wellness programs. Financial wellness has been a buzz phrase in the workplace for a few years now – with good reason. More and more data show how bad for productivity the problem of employee financial stress is. In Australia, AMP’s 2020 Financial Wellness Report showed 1.8 million Australian workers
- [Find stability with Financial Mindfulness](https://financialmindfulness.com/find-stability-with-financial-mindfulness/) - Find stability with Financial Mindfulness. With a horrible year in 2020, routines have returned back to normal but 2021 hasn’t started well. David, 51 and Lisa, 46 are parents to Joshua (8), Jake (13) and Bella (11). Josh misses his dad while Bella is angry at her dad and hasn’t seen him for 4 months.
- [In a sea of couple conflict, find stability](https://financialmindfulness.com/in-a-sea-of-couple-conflict-find-stability-with-financial-mindfulness/) - Find stability with Financial Mindfulness - PwC - Financial stress - Financial wellbeing - Australian Psychological Society
- [Stressed about your finances or your mortgage](https://financialmindfulness.com/stressed-about-your-finances-or-your-mortgage-theres-an-app-for-that/) - Stressed about your finances or your mortgage? - There's an App for that - Yahoo Finance - Developed with neuropsychologists, mindfulness and financial experts
- [Why isn't mindfulness working for me](https://financialmindfulness.com/why-isnt-mindfulness-working-for-me/) - Why isn't mindfulness working for me - Oprah interview - British mindfulness expert Shamash Alidina - Meditation for Dummies
- [Send yourself a valuable gift: get mindful](https://financialmindfulness.com/send-your-future-self/) - Send yourself a valuable gift: get mindful - UCLA Anderson School of Management - Journal of Economic Literature - The Huffington Post
- [Mindfulness could complement CBT interventions for depression](https://financialmindfulness.com/mindfulness-could-complement-cbt-interventions-for-depression/) - Mindfulness could complement CBT interventions for depression - Cognitive Behavioural Therapy intervention - University of Rochester - Stony Brook University
- [The staggering costs of personal financial stress at work](https://financialmindfulness.com/the-staggering-costs-of-personal-financial-stress-at-work/) - The staggering costs of personal financial stress at work - Generation X - Millennials - PwC - Financial wellbeing programs
- [Women and Super](https://financialmindfulness.com/women-and-super/) - Women and Super - How can a mindful approach to money help - Pay gender gap - How can a mindful approach to money help - Tips to safeguard retirement income
- [Avoid impulse spending - Black Friday and Cyber Monday sales](https://financialmindfulness.com/how-to-avoid-impulse-spending-during-black-friday-and-cyber-monday-sales/) - Avoid impulse spending - Black Friday and Cyber Monday sales - What drives impulse spending - Strategies to reduce impulsive spending
- [Learn quick and easy ways of how to reduce debt](https://financialmindfulness.com/how-to-reduce-debt/) - Learn quick and easy ways of how to reduce debt - Unsecured Debt - Mortgages - debt management plan - Set a budget - Save as much as you can
- [What you need to know to be a mindful shopper](https://financialmindfulness.com/mindful-shopping/) - What you need to know to be a mindful shopper - Plan ahead - Track your spending - Shop around - Check return policies - Don’t drink and shop
- [Loss of employment](https://financialmindfulness.com/loss-of-employment/) - Loss of employment. Losing a job is one of the most stressful things that can happen to a person. On the Holmes and Rahe Stress Scale, which is a list of 43 stressful life events that can contribute to illness, nine are related to work or would force a loss of employment. Two events are among
- [Under-earning and financial stress](https://financialmindfulness.com/under-earning-and-financial-stress-2/) - Under-earning and financial stress - Symptoms of under-earning - The psychological aspect in financial stress - TEDx Talks - Overcoming under-earning
- [Top five reasons people get into mortgage stress](https://financialmindfulness.com/top-five-reasons-people-get-into-mortgage-stress/) - Top five reasons people get into mortgage stress - Borrowing more than you can afford - Major changes to your situation - Interest rate increases
- [The business case for financial wellness programs](https://financialmindfulness.com/proving-the-business-case-for-financial-wellness-programs-2/) - The business case for financial wellness programs - PwC - Retention - Mental health - Productivity - Physical health - Financial Stress Index (FSI)
- [Don’t blow your savings](https://financialmindfulness.com/dont-blow-your-savings/) - Don’t blow your savings - The power of a financial buffer - Money Smart - Black Friday - Cyber Monday - Save then spend don't spend than save
- [Easy ways to know about Financial Stress and Mental Health](https://financialmindfulness.com/financial-stress-and-mental-health/) - Easy ways to know about Financial Stress and Mental Health - Create a routine of self-care - Online Therapy - Understand the money you are using, use it wisely
- [Pandemic put's young families under huge financial stress](https://financialmindfulness.com/the-pandemic-put-young-families-under-a-huge-financial-stress-burden/) - Pandemic put's young families under huge financial stress- Melbourne University - Centre for Community Child Health
- [How to Reduce Financial Stress in simple ways](https://financialmindfulness.com/how-to-reduce-financial-stress/) - How to Reduce Financial Stress in simple ways - Problems in healthcare - Mental health issue - Problematic Coping Behaviour - Extra Income
- [Uni students become more debt laden](https://financialmindfulness.com/uni-students-to-become-more-debt-laden/) - Uni students become more debt laden - Student loan debt - HECS debt - Financial stress - Graduates arrive in their careers burdened by financial stress
- [Revisiting your 2022 goals](https://financialmindfulness.com/revisiting-your-2022-goals-yes-already/) - Revisiting your 2022 goals
- [The warning signs of compulsive shopping](https://financialmindfulness.com/the-warning-signs-of-compulsive-shopping-and-what-can-be-done-about-it/) - The warning signs of compulsive shopping - Flinders University report - Hannover Medical School at the University of Duisburg-Essen - University of Dresden
- [New Year's Resolutions - part 1](https://financialmindfulness.com/new-years-resolutions-part-1/) - New Year's Resolutions - Become self-aware of your financial position - Track your spending - Reduce your social media use - Be wary of online news
- [Financial Mindfulness exclusive interview with Dr Ellen Langer - Part 2](https://financialmindfulness.com/financial-mindfulness-exclusive-interview-with-dr-ellen-langer-part-2/) - Financial Mindfulness exclusive interview with Dr Ellen Langer - Part 2. We continue with our exclusive interview with the world-renowned Professor Ellen Langer. Part 1 can be found here Financial Mindfulness: So, what is the difference between mindfulness and positive thinking? Dr Langer: “Positive thinking says things are positive, by definition. Mindfulness says outcomes are
- [How mindfulness helped a bunch of chronically anxious worriers](https://financialmindfulness.com/how-mindfulness-helped-a-bunch-of-chronically-anxious-worriers-including-me/) - How mindfulness helped a bunch of chronically anxious worriers - Mindfulness - Way Ahead – Mental Health Association - South Pacific Private - Mental Health
- [Applying mindfulness to disorganised finances](https://financialmindfulness.com/applying-mindfulness-to-disorganised-finances/) - Applying mindfulness to disorganised finances - American Psychological Association - Dr Ellen Langer - Mindful approach to create new habits
- [What about the mindfulness part of financial mindfulness](https://financialmindfulness.com/what-about-the-mindfulness-part-of-financial-mindfulness/) - What about the mindfulness part of financial mindfulness - Pema Chodron - Oprah interview - Financial stress - Mindfulness
- [Good mental health a much bigger factor in happiness than money](https://financialmindfulness.com/good-mental-health-a-much-bigger-factor-in-happiness-than-money/) - Good mental health a much bigger factor in happiness than money - World's Happiness Report - The Key Determinants of Happiness and Misery
- [Using mindfulness practice helps reduce financial stress and strain](https://financialmindfulness.com/using-mindfulness-practice-helps-reduce-financial-stress-and-strain/) - Using mindfulness practice helps reduce financial stress and strain - American Psychological Association - AMP 2016 Financial Wellness - Mindfulness
- [Financial stress: 9 out of 10 suffering](https://financialmindfulness.com/financial-stress-mindfulness/) - Financial stress: 9 out of 10 suffering - Constantly stressed about money - Facebook survey - Self-defeating beliefs - Financial Mindfulness
- [The real cost of gift-giving: financial stress - part 3](https://financialmindfulness.com/the-real-cost-of-gift-giving-financial-stress-part-3-of-3/) - The real cost of gift-giving: financial stress - part 3. In ancient history giving gifts began as part of the ritual of worship and over the centuries it has morphed into a show of appreciation. In the age of mass consumerism gift-giving has become an expensive habit too, especially in holiday season. While most of us
- [Happy holidays: stress less with mindfulness this Christmas](https://financialmindfulness.com/happy-holidays-stress-less-with-mindfulness-this-christmas/) - Happy holidays: stress less with mindfulness this Christmas. Christmas and the holidays are mostly feelgood times. At least the ideas behind them are positive, but that doesn’t mean they aren’t stressful. Clinical Neuropsychologist Dr Michael Takagi, says there’s plenty of evidence to show stress comes from happy occasions too: “Planning a wedding is a joyful,
- [Why isn't mindfulness working for me](https://financialmindfulness.com/why-isnt-mindfulness-working-for-me-2/) - Why isn't mindfulness working for me. Mindfulness, in theory, sounds great. The deal seems to be roughly this: if I sit still and listen to my breathing for 10 minutes each day, I will be calmer, certainly cooler, possibly richer and definitely an all-round better person. So how come it’s not working, you might ask
- [Using Mindfulness practice to help reduce financial stress](https://financialmindfulness.com/using-mindfulness-practice-to-help-reduce-financial-stress/) - Using Mindfulness practice to help reduce financial stress - American Psychological Association’s Stress in American - AMP’s 2019 Financial Wellness report
- [Mindfulness to remain a key part of what it means to be human in the future](https://financialmindfulness.com/mindfulness-to-remain-a-key-part-of-what-it-means-to-be-human-in-the-future/) - Mindfulness to remain a key part of what it means to be human in the future. While we look in awe at the videos of amazing robots coming out of labs worldwide on ever smarter smartphones, sceptics and academics are meanwhile busy wrestling with the real value of mindfulness. A leading British expert has made
- [Mindfulness practice reduces time off work for anxiety sufferers](https://financialmindfulness.com/mindfulness-practice-reduces-time-off-work-for-anxiety-sufferers/) - Mindfulness practice reduces time off work for anxiety sufferers - Sane Australia - Beyond Blue - Mindfulness-based stress reduction - Mindfulness meditation
- [Financial stress devastating Australians](https://financialmindfulness.com/personal-financial-stress-devastating-australian-lives/) - Financial stress press release - 1 in 3 Australians suffer from significant financial stress - Core Data - Financial stress devastating Australians
- [Shop till you Drop](https://financialmindfulness.com/shop-till-drop-financial-stress/) - Shop till you Drop - One in three Australians is feeling financially stressed - Financial Mindfulness survey - CoreData - Sydney Morning Hearld - Money and Life
- [Money and infidelity main reasons couples divorce](https://financialmindfulness.com/money-and-infidelity-main-reasons-couples-divorce/) - Money and infidelity main reasons couples divorce - National Centre for Social and Economic Modelling - AMP - Divorce: For Richer, For Poorer
- [The cost of divorce and its impact on families](https://financialmindfulness.com/the-cost-of-divorce/) - The cost of divorce and its impact on families. We know that divorce – the unsettling reality for one in three marriages - usually has an immense but largely immeasurable emotional impact on couples and their children. But the financial costs can be quantified. A detailed report by the National Centre for Social and Economic
- [The cost of divorce: unhealthy spending, retirement 'bleak', huge benefit and court costs](https://financialmindfulness.com/the-cost-of-divorce-unhealthy-spending-retirement-bleak-huge-benefit-and-court-costs/) - The cost of divorce: unhealthy spending, retirement 'bleak', huge benefit and court costs - University of Melbourne - For Richer or Poorer
- [Single Women Leading Men in US Home Ownership](https://financialmindfulness.com/single-women-leading-men-in-us-home-ownership-4/) - Single Women Leading Men in US Home Ownership - Bloomberg - Home ownership - National Association of Realtors - Swinburne University
- [Find your pulse, stop impulse buying](https://financialmindfulness.com/find-your-pulse-stop-impulse-buying/) - Find your pulse, stop impulse buying - Retail therapy - Financial stress - Argument with your partner - Escaping feeling - Manage your impulse buying urges
- [Women and financial stress](https://financialmindfulness.com/women-and-financial-stress/) - Women and financial stress - Gender disparity - Superannuation gap - Pay inequality - Financial stress - Systemic Inequalities
- [Why do a personal budget](https://financialmindfulness.com/why-do-a-personal-budget/) - Why do a personal budget - Peace and contentment about money - Avoid debt - Savings - Unexpected expenses - Emergencies - Organisation
- [How to maintain a budget](https://financialmindfulness.com/how-to-maintain_a_budget/) - How to maintain a budget - Managing your cash flow - Spending habits - Use of credit - Commitment - Consistency - Mindset
- [Get to know simple ways of how to manage credit cards.](https://financialmindfulness.com/how-to-manage-credit-cards/) - Get to know simple ways of how to manage credit cards. - Keep small numbers of credit cards - How to reduce debt - Check the bills very carefully
- [Paying bills and staying ahead](https://financialmindfulness.com/paying-bills/) - Paying bills - Prevent bills from becoming a problem - Become a mindful spender - What if I’m behind on bills - calendar reminder for due dates of your bills
- [The Power of apps for improving mental health](https://financialmindfulness.com/the-power-of-apps-for-improving-mental-health/) - The Power of apps for improving mental health - Mayo Clinic - Kaiser Permanente - Anxiety disorders - Depression - High blood pressure - Sleep problems
- [Financial wellness eluding Americans: could mindfulness help](https://financialmindfulness.com/financial-wellness-eluding-americans-could-mindfulness-help/) - Financial wellness eluding Americans: could mindfulness help - American Psychological Association - Mindfulness - American Institute for Economic Research.
- [New Year's Resolutions - part 2](https://financialmindfulness.com/new-years-resolutions-part-2/) - New Year's Resolutions - Goal setting - Reflection - Make self-care a daily habit - SMART goals - Understanding what you can’t change
- [Using mindfulness to support goal-setting](https://financialmindfulness.com/using-mindfulness-to-support-goal-setting/) - Using mindfulness to support goal-setting - Mindfulness is useful with personal finances - The basics of goal setting - SMART analysis - SWOT
- [Setting goals](https://financialmindfulness.com/setting-goals/) - Setting goals - Budgeting - Setting goals might be easy but achieving a goal may be more difficult - The benefits of budgeting help you achieve financial goals
- [Culling Costs](https://financialmindfulness.com/culling-costs/) - Culling Costs - Finding it hard to make ends meet - Review your expenses - Modify expenses - Frequency of the expenses - Renegotiating with service providers
- [Mindfulness for Budgeting](https://financialmindfulness.com/mindfulness-for-budgeting/) - Mindfulness for Budgeting - Mindfulness meditation - Success with budgeting - Align your mindset - Have you tried budgeting in the past and failed
- [Behind in your bills](https://financialmindfulness.com/behind-in-your-bills/) - Behind in your bills - Review your list of bills - There is an art to paying bills in a seamless and stress-free way - Take control
- [Mindful Spending](https://financialmindfulness.com/mindful-spending/) - Mindful spending - Spending patterns - Understand what drives our behaviour with spending - Awareness of your spending patterns
- [Financial stress is widespread for Australians](https://financialmindfulness.com/financial-stress-is-widespread-for-australians-and-its-taking-its-toll/) - Financial stress is widespread for Australians - CoreData/Financial Mindfulness Financial Stress Survey - The Sydney Morning Herald
- [What renters can practically do to improve their finances](https://financialmindfulness.com/what-renters-can-practically-do-to-improve-their-finances/) - What renters can practically do to improve their finances - A foundation of financial freedom - Paying the right amount of rent - Home ownership
- [Keeping up with the Joneses](https://financialmindfulness.com/keeping-up-with-the-joneses/) - Keeping up with the Joneses
- [Last minute Christmas shopping guide](https://financialmindfulness.com/our-guide-to-last-minute-christmas-shopping-2/) - Christmas shopping - Last minute Christmas shopping guide -
- [New Year's Resolution](https://financialmindfulness.com/new-years-resolution-part-1/) - New Year's Resolution - Become self-aware of your financial position - Track your spending - Reduce the noise - Finance Stress
- [Money and relationships](https://financialmindfulness.com/money-and-relationships-2/) - Money and relationships - Value systems and money - Financial and relationship stability - Communication - Conflict over money
- [The shock of unexpected expenses](https://financialmindfulness.com/the-shock-of-unexpected-expenses/) - Unexpected Expenses - Financial stress - Savings - Budget - Unplanned expense - Payment plan - Unexpected events - Reduce financial stress
- [Measuring financial stress](https://financialmindfulness.com/measure-financial-stress/) - Measuring financial stress - FSI - Quantitative Assessment Reports - World Health Organisation - Dr Nicola Gates - Financial Stress Index (FSI)
- [Can't afford a comfortable retirement](https://financialmindfulness.com/cant-afford-a-comfortable-retirement/) - Retirement - Superannuation - Ready Retire Index - CommBank - Can't afford a comfortable retirement - Association of Superannuation Funds of Australia - ASFA
- [Employees want help with their financial stress](https://financialmindfulness.com/employees-want-help-with-their-financial-stress/) - Employees want help with their financial stress - AMP’s Financial Wellness Report - Metlife Australia’s 2016 Employee Benefits Trends
- [Mythbusting our beliefs about financial stress](https://financialmindfulness.com/mythbusting-our-beliefs-about-financial-stress/) - Mythbusting our beliefs about financial stress. Financial Mindfulness interviewed a dozen people in Hyde Park Sydney while gathering footage for a marketing video, every person we spoke to believed financial stress was all around them. The problem is “huge, huge”, said one respondent, while others suggested 70 per cent of the population might be under
- [Six great New Year’s Resolutions to improve your finances in 2021](https://financialmindfulness.com/six-great-new-years-resolutions-to-improve-your-finances-in-2021/) - Six great New Year’s Resolutions to improve your finances in 2021 - New Year’s Resolutions - Improve your finances - Goal setting
- [Financial stress behind mental health insurance claim spikes](https://financialmindfulness.com/financial-stress-behind-mental-health-insurance-claim-spikes/) - Financial stress behind mental health insurance claim spikes - Group Insurance Claims Experience Study - Mental health issues are the leading cause of IP claims
- [Perfect storm of credit card debt brewing for Australians during COVID-19](https://financialmindfulness.com/perfect-storm-of-credit-card-debt-brewing-for-australians-during-covid-19/) - Perfect storm of credit card debt brewing for Australians during COVID-19. Rapidly falling incomes, a move to card-only payments and a complete avoidance of cash is creating a "perfect storm" for Australians to find themselves in deep financial ruin. Andrew Fleming, CEO of financial stress busting app Financial Mindfullness, says many Australians are unaware of
- [Contactless payments surge 44% during COVID-19](https://financialmindfulness.com/contactless-payments-surge-44-during-covid-19-as-shoppers-fear-germs/) - Contactless payments surge 44% during COVID-19 - Contactless payments are a cleaner way to pay - Moving away from cash is the perfect storm for credit card debt
- [Australians distressed and acting aggressively to others](https://financialmindfulness.com/australians-distressed-and-acting-aggressively-to-others-due-to-escalating-financial-stress-during-covid-19-pandemic/) - Australians distressed and acting aggressively to others. These are the findings from the latest Financial Mindfulness Financial Stress Index (FSI) report which has tracked financial stress in detail over the last 12 months and captured the impact from the COVID-19 pandemic. An estimated 2.29 million Australians are experiencing levels of financial stress that reduce their
- [Financial mindfulness](https://financialmindfulness.com/financial-mindfulness/) - Financial mindfulness. The term mindfulness is used a lot in relation to meditation and psychological therapies to describe being aware and paying attention. But what is financial mindfulness? Financial mindfulness is simply described as having awareness and paying attention to your finances and financial behaviours. It means more than being money smart or financially savvy, as
- [Financial stress is widespread](https://financialmindfulness.com/financial-stress-is-widespread/) - Financial stress is widespread Money worries are common. They existed before COVID-19 and now with changes in our employment and society, financial stress has become more widespread. The Australian Psychological Society reports that financial stress is one of the major causes of stress in adults, and recently published research on the Financial Stress Index (FSI)
- [The real cost of gift-giving: Financial stress - part 1](https://financialmindfulness.com/the-real-cost-of-gift-giving-financial-stress-part-1-of-3/) - The real cost of gift-giving: Financial stress - part 1. The tinsel and decorations are still under the stairs, but now is the time to think ahead so that you don’t join millions of Australians saddled repaying holiday debt well into 2021. One of the leading pressures on many people’s already-strained financial position is the
- [The real costs of gift-giving: Financial stress - part 2](https://financialmindfulness.com/the-real-costs-of-gift-giving-financial-stress-part-2-of-3/) - The real costs of gift-giving - Bloomberg - Washington State University - Seoul’s Center for Happiness Studies - Four Seasons Financial Education
- [Want to avoid financial stress: ask yourself these questions](https://financialmindfulness.com/want-to-avoid-financial-stress-ask-yourself-these-questions/) - Want to avoid financial stress: ask yourself these questions. There’s never been so many options for accessing cash quickly as there are today, and that’s very appealing around this time of year – especially this year, with many more people unemployed as a result of the ‘pandemic induced’ economic disruption. Nobody wants to be in
- [How to stop spending too much at Christmas](https://financialmindfulness.com/how-to-stop-spending-too-much-at-christmas/) - How to stop spending too much at Christmas. Christmas is by far the busiest time of the year for shopping and many of us deal with the pressure and financial stress of the annual retail frenzy with an increasingly popular new behaviour – self-gifting. If you’re not familiar with the concept of self-gifting, you might
- [The 10 biggest barriers to peace of mind in 2021](https://financialmindfulness.com/the-10-biggest-barriers-to-peace-of-mind-in-2021/) - Call it what you will, peace of mind, inner peace, sanity, contentment, serenity – that feeling of freedom from when your brain just won’t shut up and in bad moments you feel only marginally less negative about the world and others than you do about yourself. In a world full of fear about the pandemic,
- [Why women suffer more from financial stress](https://financialmindfulness.com/why-women-suffer-more-from-financial-stress/) - Why women suffer more from financial stress. Recent studies have found women feeling considerably more financially stressed than men – but why? In the United States, a recent study of 10,500 employeesby Salary Finance, found more than half of women born between 1981 and 1996 (millennials) are worried about not having enough to retire. In
- [Financial stress and under-earning](https://financialmindfulness.com/financial-stress-and-under-earning/) - Financial stress and under-earning. When people think about answers to financial stress a lot of energy and attention is paid to our spending. Where does all our money go, we are urged to ask of ourselves and our partners. The implication is clear: if we suffer financial stress we share a flaw – impulsive and sometimes reckless
- [Financial stress a perennial reason couples split](https://financialmindfulness.com/financial-stress-survey/) - Financial stress a perennial reason couples split. It’s February already and in a lot of relationships that means money worries will be to the fore. It’s well known amongst lawyers that returning to work after the holidays brings up dissatisfaction amongst couples. The pressure of being forced together more often, especially with the added burden
- [Money doesn’t make you happy, but bad debt makes you sick](https://financialmindfulness.com/money-doesnt-make-you-happy-but-bad-debt-makes-you-sick-2/) - Money doesn’t make you happy, but bad debt makes you sick. You can’t buy happiness, goes the old saying. We also know that being in poverty decreases happiness, but instinctively we know having lots of money doesn’t guarantee happiness. Research backs up the motherhood statement too. In a landmark study, Daniel Kahneman and Angus Deaton,
- [March 2021 Financial Stress Index (FSI) report](https://financialmindfulness.com/financial-stress-index/) - March 2021 Financial Stress Index - Covid 19 - Financial and psychological factors the main drivers - Financial status - Psychological impact
- [Mindfulness can help you get in control of your spending](https://financialmindfulness.com/how-mindfulness-can-help-you-get-in-control-of-your-spending/) - Mindfulness can help you get in control of your spending. Why do we spend money to feel good now, even if it’s obviously going to have negative consequences at some point, such as damaging financial stress. And why do we seem to make better decisions if those decisions are planned and not impulsive? The answer
- [Graduates arrive in their careers with financial stress](https://financialmindfulness.com/debt-laden-graduates-arrive-in-their-careers-with-financial-stress/) - Debt laden graduates arrive in their careers with financial stress - Consumer Price Index - HECS debt - Global Wellness Institute Report
- [Financial Mindfulness exclusive interview with Dr Ellen Langer - Part 1](https://financialmindfulness.com/financial-mindfulness-exclusive-interview-with-dr-ellen-langer-part-1/) - Financial Mindfulness exclusive interview with Dr Ellen Langer - Part 1. Financial Mindfulness had the good fortune in March 2021 to secure an exclusive interview with the world-renowned Professor Ellen Langer, the first woman ever tenured in psychology at Harvard University, in the United States. She has written over 200 research articles and six books
- [Staggering number of Australians with less than $2000 in the bank](https://financialmindfulness.com/staggering-number-of-australians-with-less-than-2000-in-the-bank/) - Staggering number of Australians with less than $2000 in the bank - Daily Mail - Financial Stress - Financial Mindfulness study - Covid shutdowns
- [Australians rebounding from pandemic](https://financialmindfulness.com/australians-rebounding-from-pandemic/) - Australians rebounding from pandemic Financial Mindfulness was reported in Money Management on its latest financial stress survey. Australians assessed as “thriving” financially have rebounded after sliding backwards during the first six months of the COVID-19 pandemic, according to Financial Mindfulness. The firm’s Financial Stress Index (FSI) showed that 25.8% of 645 respondents were rated as
- [Key insights from the FSI report](https://financialmindfulness.com/key-insights-from-the-latest-financial-stress-index-fsi-report-from-financial-mindfulness/) - Key insights from the FSI report. A significant focus of Financial Mindfulness is the tracking and reporting of our Financial Stress Index (FSI), which allows us to benchmark and compare the impact of financial stress on Australians. The FSI has now become a leading financial stress measure in Australia. The FSI is a comprehensive measure
- [New clinical help on the horizon for shopalcoholics](https://financialmindfulness.com/new-clinical-help-on-the-horizon-for-shopaholics/) - New clinical help on the horizon for shopalcoholics. We all instinctively know that compulsive, mindless spending can be a problem. We see it in those around us and even in ourselves at times – especially when stress drives the perceived need to ‘escape’ mentally. Whatever is behind compulsive shopping, buying, spending, even shopalcoholism – whatever
- [Why our financial literacy matters](https://financialmindfulness.com/part-1-of-2-why-our-financial-literacy-matters-and-what-to-do-about-it/) - Why our financial literacy matters. While knowledge is power, the lack of knowledge can leave us vulnerable in many areas of life. This is especially true when it comes to our relationship with money. Financial literacy is the missing building block undermining many people’s financial capability and personal financial position, invariably leading to chronic financial
- [Why do women under-earn](https://financialmindfulness.com/why-do-women-under-earn-what-can-women-do-about-it/) - Why do women under-earn. Research constantly proves the point that women earn less than men. In Australia, legislation exists to promote and improve gender equality (including equal remuneration between women and men) in employment and in the workplace. The Workplace Gender Equality Agency was set up in 1986 to promote and improve workplace gender equality
- [How to reduce the shock of unexpected expenses](https://financialmindfulness.com/how-to-reduce-the-shock-of-unexpected-expenses-and-the-resulting-stress/) - How to reduce the shock of unexpected expenses - Unexpected expense or unplanned expense - How to stop unexpected expenses derailing us in the future
- [Lowering financial stress and stress in general](https://financialmindfulness.com/lowering-financial-stress-and-stress-in-general/) - Lowering financial stress and stress in general. Financial stress is debilitating; it can add a layer of unwelcome, even toxic, distraction to everyday life. It can affect our relationships and our productivity at work; plenty of research shows this, including research commissioned by financial mindfulness. But people under financial stress don’t need research to confirm
- [What to do if lockdown has caused me financial stress](https://financialmindfulness.com/what-to-do-if-lockdown-has-caused-me-financial-stress/) - What to do if lockdown has caused me financial stress. Right now, millions of Australians are under public health orders to stay at home in an attempt to reduce the spread of the Delta variant of the Covid-19 virus all around the country. More than half of all Australians face this uncomfortable but necessary reality,
- [Money and relationships](https://financialmindfulness.com/money-and-relationships/) - Money and relationships. Many elements can lead to relationship tensions and even breakdown. One of the most difficult to change can be disputes or differences over money. Perhaps strangely, often ‘opposites’ attract when it comes to money and relationships. “You’ll often see a spender/saver dynamic in a couple,” says Lea Clothier, a Behavioural Money Coach.
- [Disorganised finances](https://financialmindfulness.com/disorganised-finances/) - Disorganised finances. A persistent, nagging fear of money is all too real for many people. The medical word for it is Chrematophobia, also known as Chrometophobia and its sufferers have a much higher likelihood than average to experience financial stress. The individual reasons are probably as varied and nuanced as the number of sufferers, but
- [Employees want mental health at work taken seriously](https://financialmindfulness.com/australian-employees-want-mental-health-at-work-taken-seriously-2/) - Employees want mental health at work taken seriously - Metlife’s Employee Benefit Trends Study - Depression - Anxiety - Stress
- [Why you need to stay mindful with your use of ‘buy now pay later’ services](https://financialmindfulness.com/why-you-need-to-stay-mindful-with-your-use-of-buy-now-pay-later-services/) - Buy now pay later - BNPL - BNPL taps into the psychology of consumer spending - Afterpay - Australian Financial Review - Millennials

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