Chronic Migraine Equals Financial Impact
March 2012 – Issue 13 – Financial Pain
Welcome to the final newsletter of my 6 Part series of aspects to cover for Migraine health and well being.
Physical – Emotional – Intellectual – Social – Spiritual – Financial
Editors Note: It is a FACT that chronic migraines have a financial impact in our lives. Less work equals less pay. It’s not rocket science! I don’t know about your situation, financially, but I have had to reinvent myself so many times in my life to suit my migraines, it is kind of ridiculous. I choose now to see it as personal growth, but being really positive is not always possible. Here are some useful tips to help you remain positive and be practical and frugal with the money you do have.
Part 6 – Financial Pain
I just spent an hour listening to an interview of some very rich women. I called it “making my first million dollars” in my notes. Ok – yes – I take notes. They say some very fantastic things like:
• We do negative habits everyday, over and over, that stop us from doing million dollar habits.
• Belief, commitment, and wishing are not enough. We need to take appropriate action. And we need to repeat this new action – learning a new way to be – EVERYDAY – like brushing your teeth.
• Our wealth chakras must be open and clear – yes they mentioned our chakras.
• Expect to feel uncomfortable. Learning something new will always feel uncomfortable. Remember learning to swim, or drive? Remember how scary it was – WAS – now it’s a breeze!
Then they continue on to say that the universe will help if you take action. And so it goes. All the while, I think to myself – I wonder
if they get migraines. And then I feel my anger and think – they do not experience 20 days of migraine every month … they could not possibly function at that level if they did.
So lets look at some practical stuff I know from being an accountant ok:
1. If you have credit card debt, attempt to get a bank loan you can handle the repayments on and then cut up the card. I know its harsh – but you have to start somewhere. You can still get a bank debit card that you can use online, or as a credit card – the difference is that it comes straight out of your account. Trust me, once you get ahead, and caught up, it will be easier to stay caught up. Plus some people just cannot handle credit cards. Especially now a days when it is so common place, and our every wish and desire should be filled now – as the advertisements say!
2. Stop spending money. That’s it. Just STOP. Stop buying stuff you don’t eat! You have too much
stuff now – am I right – perhaps you could try having a garage sale or using E-bay. Clutter experts say if you haven’t touched or worn something in 2 years – get rid of it.
3. Find where else you can reduce your spending – for example try to stop driving everywhere. Petrol aka gas is crazy expensive here and will only get more expensive as the supply dries up. I have changed to only using my car once a week. Yes – the kids can walk too. Train your self now to walk, take public transport or bicycle places that are not too far away. Start small. Baby steps are good.
4. Take the old stuff out of your pantry, put it out on the counter where you can see it, and make sure it gets eaten. You will be amazed at what you can create.
5. Ask yourself how you think about money. What kind of power does it have over you? Do you love it, hate it? Do you hate rich people that flaunt their money? Do you think money is greed and evil? Be
honest with yourself.
6. Divide shampoo and soaps in half with water. They still suds up and clean just fine.
7. Find out when your local supermarket has their used by date mark downs on meat products. Thursday afternoon at 3pm is when our local supermarket discounts fresh fruit and vegetables, and their meats. If you can, go and shop then. Use the discount coupons only if you need the product. Don’t get seduced by the sales sticker.
8. Buy bulk if it’s cheaper, and you can afford it, and have the room in your freezer. Or plan ahead to make larger meals to freeze.
9. Only rent videos on the stores half price movie nights.
10. Vinegar, baking soda, and water are useful cleaners. Harsh chemicals are a migraine trigger for me, so I use water soluble eucalyptus oil with water for most cleaning.
11. Make your lunches at home. I make extra portions at dinner and take that for lunch the next
day. You could also take your own coffee bags and tea bags - $3 a day for a coffee out is $1,095 per year.
In Dr. Norman Doidge's book
The Brain That Changes Itself
, he says that in 30 days the neural pathways will change for good. If we can change the way we think about money and remove the emotion from it, we may have a more positive experience with it.
Some other interesting things that came from that interview were to:
1. Ask yourself - What does money actually mean to me? What are the positive parts and what are the negative parts? They suggested getting some money out and looking at it, spending some time sitting with it and writing down what it means to you. Also, sense what emotions and memories come up. Do you recall anything your mother or father told you about money, or what was implied? Write it all down.
2. Take small steps everyday to become more of yourself. The women both said that building wealth is the same as building health. You are what you eat, and financially you are what you think about money. So, according to them, you can change your destiny.
3. You may need to be brutally honest with yourself.
4. Reflect on what you have done in the past around money – if you keep doing the same thing – you will keep getting the same results. This is very hard – especially with migraines being a pattern you can’t change. But you can be proactive and change things around how you handle money, and how you spend it. You may need some help to find out which behaviors to change. Ask some rich people you know if they had a mentor, or if they can recommend anyone. There is also a wealth of information on the net. Make sure you find a reputable site.
5. Be realistic. Know the cost of money and the value of money. For example – the cost of a week’s wages is the number of hours you work. Some good books are: Your Money or Your Life by Joe Dominguez and Vicki Robin and The Little Money Bible by Stuart Wilde, or listen to Marianne Williamson on money. Inspire yourself. Be proactive and educate
yourself on where you need to be, and where you want to be. Don’t give up.
6. Don’t run away from discomfort. Perhaps consider having a pause – and tune in to see what its about first. So pause and think – can I change this stuff? What small step can I take this week to make a change? What are the advantages, and what are the risks? Get to the point where you can handle the discomfort, and grow and learn from it.
I have to chuckle to myself – a migraineur running away from discomfort – hah! Yeah right. The rich pain free guru’s have no idea!
Ask the Editor
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Remember that your contribution will help others too! We are not in this alone, even though it feels like it most of the time. Our stories and input can help each other.
My Question(s) to You
How does your chronic migraine pain effect your ability to create an income for yourself? What impact have your migraines had financially? What have you done to help yourself cope with money issues?
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Other Migraine Aids
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The next issue is: Issue 14 – Saline Injections for Migraines
In the research trials, saline had almost the same results as Botox injections for migraine headaches. Shhhhh - keep that quiet! Botox costs much more to make than saline! I have been for three treatments now, three months apart for saline injections. In April, I’d like to share my results with you. I hope you can share your trials and tribulations, or hopefully successes with us. We need to know what works.
I hope you ENJOYED this issue of The Pain Chronicles!
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Talk to you next month, until then, I wish you many Migraine FREE days.
From Holly at