Happy Wallet, Happy Life


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Happiness can be considered an elusive goal, but there are certain steps you can take that will definitely reduce the amount of stress in your life. Most people would agree that living a stress-free or close to stress-free life definitely ups the happiness level!

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There are two main suggestions I have that will lead to a happy life. The first is managing your debt. By keeping a low debt-to-income ratio, you free up more of your money to do other things with. In addition, if you do have a high DTI ratio, it can be depressing to see 50% or more of your gross income go right back out to pay off your debt! My second tip to a happy life is to implement a savings plan. Experts agree that the average person should have between 3-6 months’ worth of income in savings. Let’s say you make $1000 a month, to keep the math simple. Experts suggest you should have $3000 to $6000 in savings. Now, this may sound like a lot, and it takes time to build this amount up.

Having this cushion in your savings account can really take a large stress burden off your chest because you know it will be there in case of emergencies. Life sometimes throws us curveballs, and if your AC goes out in the middle of the summer, it sure would be nice to have some money in savings to front the bill! Both of these tips will reduce stress in your life… or your money back!

Student Editor: 


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I just read your blog and it was interesting for me. Its really true that on how you spend your money to have a happy life. We should know how to spend it wisely.

Numerous debt of gratitude is

Numerous debt of gratitude is in order regarding this splendid post!

Well yeah I totally agree on

Well yeah I totally agree on that, but for you, Happiness is equals to food? For me, YES :3

Hi! This blog is so nice.

Hi! This blog is so nice. Thanks for sharing one. I am looking forward for more posts here.



Stress is everywhere and it affects us now and then,however, you can overcome or minimize stress if you have the full control of yourself. It means that you have a balance in every action that you made.And most of all, you should not forget to smile.

Shiro21's picture

This is a great article, it

This is a great article, it is very well made. You pointed out tips to achieving stress-free happiness and I have to agree to that. The less burden then the less stress you will have and you should certainly plan and save for future or emergency use.

You should be smart enough to

You should be smart enough to speak logically while negotiating with the creditors, because it will help winning their trustworthiness and agree with your opinions.