As perhaps many of you, one of the things that make me lose some sleep (or a lot) is if I have any uncertainty about my personal finance. These problems beset us as we are in a vicious circle that decreases our productivity, we create more problems, and problems make us less sleep. So many concerns cannot lead to complications of self-esteem, malnutrition, and even depression. If you are in a similar situation or know someone who is considered the following:

Sleeping does not solve anything

If we sleep in our financial concerns, this does not really help the problem. Lack of sleep may even worsen the problem because our ability to generate solutions may decrease.

The Sleep If You Can Stop …

According to WebMD, lack of sleep can cause many physical and emotional problems, these include: reduced productivity, impaired thinking and processing information, poor quality of life, and accidents / crashes. In the long term, this can cause heart attacks, strokes, depression and other problems. Do not let your financial concerns to become more than a lack or misuse of money.

Tips to sleep better

There is a Zen proverb:

“If the problem has a solution, there is no point worrying because eventually solved. If the problem has no solution, there is no reason to worry, because it cannot be solved. “ – Zen Proverbs

Since we know the risk of not sleeping, and we know that not to do, unless we are working to get money to solve the problem, adequate sleep better to have the energy to find a solution to our financial problem. If you cannot sleep for thinking about your problems, relax, and begins to explain to your mind that you will not be able to do anything about it to stop sleeping, and that the best way to find a solution is to do so. Meditation will help you relax and get your subconscious to stop processing those concerns that hinder your sleep.

Get help
When you’re rested and start your day, use all that energy to plan that will help you get out of debt. Get help with people you can offer another perspective on your situation. Progress may be slow, or it may take negative things before seeing the light … but if you have a plan of action, you succeed.

This week I was reading this article one of the personal finance blogs I read, where the author explained what he meant, and now means to have financial freedom. David Ning writes in the article “Financial Independence Is More than Just a Number” their ideas about the difference between having a fixed amount of your financial goals and reaches the mental / emotional one that takes you to have financial freedom. This made me think about what I think financial freedom is.

What is financial independence?

As the article explains freedom and financial independence is a concept that changes his mind according to the opinion of the person. For many it is to have high wealth, for others you need to power to his family a comfortable life. Therefore, I invite you to define yourself / to mean to you financially independent. Here is mine:

Financial independence, in my opinion, is to have all needs and tastes of the person without worrying that will happen tomorrow. If I have the ability to have enough money to achieve my personal goals and even more earning capacity when you need me consider financially privileged. Financial independence is to work in a profession that you like, and that monetary compensation for the work performed is not a priority. (more…)

The news came through David de Ugarte. Virgin Money one of the most active companies of the amazing Sir Richard Branson, has expanded its horizons to the United States, Virgin Money launched here with a focus on loans P2P (person to person). These loans between individuals, friends and relatives, mainly, are another example of the power to transform societies towards the “natural.” It’s a return to basics.

Virgin Money works in England since 1995, with the name of Virgin Direct. It has been transformed into the conglomerate it is today with many financial product and reinventing the concept of personal finance. However, this move towards private banking, it is very interesting as an important step forward in the possible traditional competitors enter the market afterward. It is also interesting is his “language”, which gives an idea of how they express online communication: simple for simple people. (more…)