{"id":3607,"date":"2023-01-12T21:00:12","date_gmt":"2023-01-12T21:00:12","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=3607"},"modified":"2023-12-12T20:41:06","modified_gmt":"2023-12-12T20:41:06","slug":"financial-wellness-myth-busting-in-2023","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/financial-wellness-myth-busting-in-2023\/","title":{"rendered":"It\u2019s Time to Go Financial Wellness Myth Busting in 2023"},"content":{"rendered":"\n

Did you know that January is \u201cFinancial Wellness Month<\/a>?\u201d It\u2019s especially fitting when you consider 57% of Americans<\/a> were somewhat or much more concerned about being able to pay for holiday gifts last month. Prices are steadily increasing thanks to the U.S. inflation rates, and people were naturally skeptical about holiday shopping. <\/p>\n\n\n\n

Yet, it didn\u2019t stop them. More than $300 billion<\/a> was spent on gifts during the Yuletide extravaganza. The average, hard-working American used credit cards to spend $1,550 <\/a>on loved ones, friends, and the random White Elephant giveaway. <\/p>\n\n\n\n

How much did you spend? Did you use credit cards? Now that it\u2019s January, are you ready to start paying those bills? Do minimum payments for the year sound familiar? You\u2019re not alone. It\u2019s what most people do; for most of us, that is a never-ending cycle. But it doesn\u2019t have to be. <\/p>\n\n\n\n

When you hear the term \u201cFinancial Wellness,\u201d do you shrug it off with a dismissive \u201cYeah, right,\u201d or is that something you hear about but wouldn\u2019t know how to begin doing it? Good thing you are here because there are several myths out there that may prevent you from enjoying this month. <\/p>\n\n\n\n

Life insurance is only for my parents and grandparents.<\/strong><\/h2>\n\n\n
\n
\"financial<\/figure>\n<\/div>\n\n\n

We just went through a global pandemic that took over 1 million people from us. Right now, you are spending money on bills, bills, and a few more bills. <\/p>\n\n\n\n

What little you have left is the buffer against rising rates on everything and the occasional Friday night pizza. That is why this myth has been allowed to breathe as long as it has\u2013younger people living check-to-check are convinced of it. <\/p>\n\n\n\n

Rates to protect yourself are based on health, not age. You could be healthy as a horse when you\u2019re 50, and your life insurance rate will reflect that. With insurance, you\u2019re paying for something you hope you never have to use. It\u2019s that surprise moment when you need to use it. You or your loved ones are never ready. Then, you remember you have insurance. Having financial wellness means planning as well. Look into rates now. You may be surprised you can secure your future more than you believe. <\/p>\n\n\n\n

Financial wellness says “All debt is bad debt.<\/strong>“<\/h2>\n\n\n
\n
\"financial<\/figure>\n<\/div>\n\n\n

What is debt? If you ask someone \u201cdoing well,\u201d the answer may be something like \u201cdebt is borrowed money that hasn\u2019t been paid back yet.\u201d But, if you ask some of our clients who know the struggle of debt but trying to pay it off, \u201cdebt\u201d becomes a trigger word. It brings up memories of phone calls during dinner, pink bills in envelopes, and the stress over making rent with all those minimum payments. <\/p>\n\n\n\n

Almost 83% of Americans<\/a> have at least one credit card. What do all those cards have in common? They represent borrowed money, otherwise known as debt. And that debt\u2013managed debt, with a bill paid every month\u2013is good. It shows banks that you’re a safe bet if you need help with an automobile purchase or a mortgage. \u201cGood debt\u201d enables you to grow your net worth. But, to increase your worth, you must maintain your credit. That\u2019s the secret of financial wellness. <\/p>\n\n\n\n

I make a good living, so I am financially well. <\/strong><\/h2>\n\n\n
\n
\"financial<\/figure>\n<\/div>\n\n\n

Some people live in high society struggling with debt. You can\u2019t judge a book by its cover. Like other reputable debt help companies, we have clients like that. Anyone can get in over their heads in debt. Having more money means having more money to spend. <\/em><\/p>\n\n\n\n

Financial wellness opens the door<\/a> to opportunity and understanding. There\u2019s a saying in our industry that goes, \u201cIt\u2019s not how much you make; it\u2019s about how much you keep.\u201d <\/strong><\/p>\n\n\n\n

What\u2019s in your pocket? What\u2019s in your savings? Having money in both places shows discipline, not wealth. Having credit and debt offers management, not issues. You may have a good salary, but what do you have to show for it? A nice car and a big house are nice, but only if you can pay for them without getting a headache. That\u2019s all a part of wellness\u2013financial, physical, and emotional. <\/p>\n\n\n\n

It takes a vault full of money to have financial wellness. <\/strong><\/h2>\n\n\n
\n
\"financial<\/figure>\n<\/div>\n\n\n

That point of view makes sense if you feel like most Americans\u2013living day-to-day, check-to-check. Yet, that\u2019s not true. Many people you know get excited when they get a promotion or raise at work. When the new money goes into the account, new expenses take it out. Why not leave the money there and keep your costs the same? <\/p>\n\n\n\n

That is \u201clifestyle inflation.\u201d In other words, you do it to yourself. More money means more entertainment, personal shopping, travel, or whatever else you want to do with that. It\u2019s not as fun to leave it in the bank. But what happens when the car breaks down, or you have to go to the hospital? All that extra money would help. <\/p>\n\n\n\n

This is how we encourage our clients to experience financial wellness<\/a>\u2013cut back where you can and prepare for that rainy day. It always starts sprinkling outside when you don\u2019t have an umbrella. Fortunately, we keep those in surplus. <\/p>\n\n\n\n

Having a bunch of debt is normal.<\/strong><\/h2>\n\n\n
\n
\"financial<\/figure>\n<\/div>\n\n\n

Debt is a given if you plan to drive a car, own a home, or attend college. But to suggest that it doesn\u2019t matter if you have five figures of debt is wrong. The government backs education loans so that debt cannot be eliminated with the assistance of a debt help company. You have collateral for your house or car, which makes it \u201csecured.\u201d\u00a0<\/p>\n\n\n\n

Unsecured debt is different. This is debt that you bring upon yourself. Most people plan to be a good stewards of their credit and plan to pay it back, but life can offer a few detours. That\u2019s when debt gets challenging. You have to take on debt you didn\u2019t plan, which means you have to pay back the debt you can\u2019t cover. Stay within your means and don\u2019t accept \u201cdebt is normal.\u201d It doesn\u2019t have to be normal at all. <\/p>\n\n\n\n

Are you ready to tackle your debt? Are you tired of being scared to answer your phone? That kind of stress\u2013financial stress<\/a>\u2013isn\u2019t good, but it may feel normal. It doesn\u2019t have to be that way. 
Take a minute and get a free assessment of your debt<\/a>. Let\u2019s make a \u201cnew normal\u201d for you today!<\/p>\n","protected":false},"excerpt":{"rendered":"

Following COVID and inflation, Americans will be mindful of their budget in 2023. To help them, let’s go financial wellness myth busting!<\/p>\n","protected":false},"author":7,"featured_media":3608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15],"tags":[53,48,45,69,72,73],"class_list":["post-3607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-tips","tag-beyond-finance","tag-credit-card-debt","tag-financial-literacy","tag-financial-wellness","tag-myth-busing","tag-research"],"yoast_head":"\nIt\u2019s Time to Go Financial Wellness Myth Busting in 2023<\/title>\n<meta name=\"description\" content=\"Following COVID and inflation, Americans will be mindful of their budget in 2023. 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