{"id":173427,"date":"2024-11-19T16:05:07","date_gmt":"2024-11-19T21:05:07","guid":{"rendered":"https:\/\/www.interac.ca\/?post_type=content&#038;p=173427"},"modified":"2025-05-30T16:53:26","modified_gmt":"2025-05-30T20:53:26","slug":"mind-over-money-tips-for-managing-your-wallet-and-improving-your-well-being","status":"publish","type":"content","link":"https:\/\/www.interac.ca\/en\/content\/life\/mind-over-money-tips-for-managing-your-wallet-and-improving-your-well-being\/","title":{"rendered":"Mind over money: Tips for managing your wallet and improving your well-being"},"content":{"rendered":"\n<p>Personal finance can be a profoundly personal topic. How we feel about our financial security\u2014our budgets, our savings, any debt we might be paying down\u2014can have a profound impact on <a href=\"https:\/\/www.forbes.com\/sites\/johnjennings\/2024\/02\/12\/money-buys-happiness-after-all\/\" target=\"_blank\" rel=\"noreferrer noopener\">our overall sense of satisfaction<\/a> with our lives. And this connection could present a particular challenge for a generation that has experienced unusually high levels of economic uncertainty.<\/p>\n\n\n\n<p>\u201cGen Z Canadians can get a good job, they can work hard, they can do everything their parents did and more, and too often the reward remains out of reach,\u201d <a href=\"https:\/\/www.politico.com\/news\/2024\/04\/16\/trudeau-gen-z-budget-canada-00152641\" target=\"_blank\" rel=\"noreferrer noopener\">finance minister Chrystia Freeland said<\/a> in an April 2024 budget speech.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-luminous-vivid-amber-color has-alpha-channel-opacity has-luminous-vivid-amber-background-color has-background\"\/>\n\n\n\n<p><strong>Key financial stressors facing Gen Z:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Labor market concerns&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Affordability crisis&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wage stagnation&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lack of affordable housing&nbsp;<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-luminous-vivid-amber-color has-alpha-channel-opacity has-luminous-vivid-amber-background-color has-background\"\/>\n\n\n\n<p>The good news? There are resources and tips to help you approach saving, spending and shopping in a way that could also help with your peace of mind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-money-habits-to-help-your-wallet-and-your-well-being\">Money habits to help your wallet, and your well-being<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-not-all-spending-is-the-same-nbsp\">Not all spending is the same&nbsp;<\/h3>\n\n\n\n<p>The first step in reaching any destination is knowing where you\u2019re starting from, and that\u2019s true for your journey to financial well-being. Start by putting it all down on paper: The fixed costs (paying rent, utility costs, cell phone plans), the big-ticket items (a new car, a major appliance, a vacation), the surprise expenses (vet bills, repairs, replacements). The good, the bad, the ugly, and on and on. Then <a href=\"https:\/\/www.interac.ca\/en\/resources\/business-resources\/dollarone\/mindovermoney\/#intro:~:text=Get%20grounded-,Box%20breathing,-Reflect%20and%20reframe\" target=\"_blank\" rel=\"noreferrer noopener\">take a deep breath<\/a>.<\/p>\n\n\n\n<p>For many people, the easiest way to distinguish between the endless list of expenses is to keep it simple, dividing items into essential spending vs. discretionary spending.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"590\" height=\"1024\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-590x1024.png.webp\" alt=\"\" class=\"wp-image-173437 lazyload\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-590x1024.png.webp 590w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-173x300.png.webp 173w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-768x1332.png.webp 768w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-886x1536.png.webp 886w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4-1181x2048.png.webp 1181w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/5917CBE3-9D97-4695-9671-CF9BCDE9E7A4.png.webp 1920w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 590px; --smush-placeholder-aspect-ratio: 590\/1024;\" data-original-sizes=\"(max-width: 590px) 100vw, 590px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Essential spending:&nbsp;<\/strong><\/p>\n\n\n\n<p>Staying on top of essentials like paying rent, car payments, insurance and grocery budgeting is the first step in taking charge and managing your money effectively.\u202fFor many of these fixed costs,\u202fInterac products can help keep your spending on track.&nbsp;<\/p>\n\n\n\n<p>Interac\u202fe-Transfer is a fast and convenient way to send and receive money.\u202fSay you <a href=\"https:\/\/www.interac.ca\/en\/content\/life\/money-movers-use-interac-e-transfer-to-help-take-some-of-the-financial-stress-out-of-moving\/\" target=\"_blank\" rel=\"noreferrer noopener\">just moved into a new apartment<\/a> and it\u2019s time to pay that first month\u2019s rent. Instead of paying for and filling out cheques, and then physically having to meet your landlord face-to-face, ask if they accept\u202f<a href=\"https:\/\/www.interac.ca\/consumers\/products\/interac-e-transfer\/\" target=\"_blank\" rel=\"noreferrer noopener\">Interac<em>\u202f<\/em>e-Transfer<\/a>\u202fas a way to send funds directly to their account. You can feel confident knowing exactly when your money is leaving your account so you have an accurate view of your balance. Plus, that money is reaching your landlord or management company in a way that\u2019s fast, secure and easy to track. (Get answers to all your questions about <a href=\"https:\/\/www.interac.ca\/en\/content\/life\/interac-e-transfer-101-everything-you-need-to-know-about-sending-and-receiving-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">sending and receiving money with Interac e-Transfer here).<\/a><\/p>\n\n\n\n<p>Grocery shopping can also be a considerable expense, but there are several things you can do to help <a href=\"https:\/\/www.interac.ca\/en\/content\/news\/gen-z-anxiously-navigates-financial-firsts-and-shifts-everyday-spending-behaviour-amid-current-economic-conditions\/\" target=\"_blank\" rel=\"noreferrer noopener\">take charge of your grocery costs<\/a>. With Interac Debit, whether you\u2019re shopping in-store or ordering online, you\u2019re spending your money in real time, so you won\u2019t be hit with a surprise bill down the road. This is a great way to grocery shop mindfully, which can help free up money for other areas of your budget, help you stay in charge of your finances and set yourself up for long-term success.&nbsp;<\/p>\n\n\n\n<p><strong>Discretionary spending:&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.interac.ca\/en\/content\/life\/how-to-save-money-and-help-the-planet-with-sustainable-shopping\/\"><img decoding=\"async\" width=\"910\" height=\"1024\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/0F1369B0-0277-48D0-B086-750A2B76E12C-910x1024.png.webp\" alt=\"\" class=\"wp-image-173444 lazyload\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/0F1369B0-0277-48D0-B086-750A2B76E12C-910x1024.png.webp 910w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/0F1369B0-0277-48D0-B086-750A2B76E12C-267x300.png.webp 267w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/0F1369B0-0277-48D0-B086-750A2B76E12C-768x864.png.webp 768w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/0F1369B0-0277-48D0-B086-750A2B76E12C.png.webp 1167w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 910px; --smush-placeholder-aspect-ratio: 910\/1024;\" data-original-sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.interac.ca\/en\/content\/%content-category%\/how-to-save-moneyand-help-the-planetwith-sustainable-shopping\/\"><\/a><\/p>\n\n\n\n<p>Once you\u2019ve established your essential expenses, anything that\u2019s left over (aside from what you\u2019ve set aside for savings) is your budget for discretionary spending. This could mean travel, dining out, a <a href=\"https:\/\/www.interac.ca\/en\/content\/%content-category%\/how-to-save-moneyand-help-the-planetwith-sustainable-shopping\/\">thrifting trip<\/a> to freshen up your wardrobe or home decor, or that daily iced latte that keeps you energized throughout the day.<\/p>\n\n\n\n<p>By paying for these purchases using Interac Debit, whether on your phone or directly in app or in browser, you can save time\u2026and you\u2019ll see your spending reflected in real time. For more information on how to add your debit card to your phone, check out <a href=\"https:\/\/www.interac.ca\/en\/how-to-use\/interac-debit\/how-to-add-your-debit-card-to-a-digital-wallet\/\" target=\"_blank\" rel=\"noreferrer noopener\">this article.<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.interac.ca\/en\/content\/life\/10-affordable-ways-to-share-memorable-experiences-with-friends-and-family\/\"><img decoding=\"async\" width=\"910\" height=\"1024\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/DDC8E580-98E7-4AA9-B405-11186E8621DD-910x1024.png.webp\" alt=\"\" class=\"wp-image-173451 lazyload\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/DDC8E580-98E7-4AA9-B405-11186E8621DD-910x1024.png.webp 910w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/DDC8E580-98E7-4AA9-B405-11186E8621DD-267x300.png.webp 267w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/DDC8E580-98E7-4AA9-B405-11186E8621DD-768x864.png.webp 768w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/DDC8E580-98E7-4AA9-B405-11186E8621DD.png.webp 1167w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 910px; --smush-placeholder-aspect-ratio: 910\/1024;\" data-original-sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.interac.ca\/en\/content\/life\/10-affordable-ways-to-share-memorable-experiences-with-friends-and-family\/\"><\/a><\/p>\n\n\n\n<p>If discretionary spending involves activities with friends or family, you might need to split costs. You can send payments with Interac e-Transfer. And if you\u2019re the one who needs to be paid back, you can <a href=\"https:\/\/www.interac.ca\/en\/content\/life\/how-to-use-interac-etransfer-request-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">request money via Interac e-Transfer Request Money.<\/a>&nbsp;<\/p>\n\n\n\n<section id=\"block-skywalker-block_d759d3fd0dfa54dd665b0103adf838ed\" class=\"safe-area content-skywalker\" style=\"background-color:#edebe3; margin-top: 0px; margin-bottom: 5px; padding-top: -1px; padding-bottom: 0px;\">\n    <style>\n                .content-skywalker h2 {\n            font-size: 36px;\n            padding: 0px;\n            line-height: 1.2;\n            }\n    <\/style>\n\n    <div class=\"grid-container\">\n        <div class=\"grid-x align-left\">\n            <div class=\"small-12\">\n                                                    <p><!-- wp:paragraph --><\/p>\n<p><strong>Did you know?<\/strong> Don\u2019t fall into the trap of doom spending (as in \u201cdoom scrolling\u201d)\u2014a recently-coined term for spending money despite concerns about the economy or political landscape. Doom spending is related to retail therapy, which can be a tool for coping with small-scale personal stresses, but isn\u2019t quite the same thing.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>\u201cDoom spending [is] a display of what we call the passive to active flip, with the passive being the many things we may want to change in the world but feel we cannot, and the active being the buying of things,\u201d Dr Dion Terrelonge, otherwise known as\u202f<a href=\"https:\/\/www.instagram.com\/thefashionpsychologist_\/?hl=en\" target=\"_blank\" rel=\"noreferrer noopener\">The Fashion Psychologist<\/a>, <a href=\"https:\/\/www.vogue.co.uk\/article\/what-is-doom-spending\" target=\"_blank\" rel=\"noreferrer noopener\">explained to Vogue<\/a>.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-soft-saving-spending-now-vs-later\">Soft saving: Spending now vs. Later<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"1012\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page-1024x1012.png.webp\" alt=\"\" class=\"wp-image-175498 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/1012;width:1110px;height:auto\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page-1024x1012.png.webp 1024w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page-300x296.png.webp 300w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page-768x759.png.webp 768w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page-1536x1518.png.webp 1536w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/11\/Interac_GenZ_Cluster_4_Pillar-Page.png.webp 1920w\" data-sizes=\"auto\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-original-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Is anyone in your life embracing a \u201csoft saving\u201d approach to managing their money? This might be an unfamiliar term, but it describes a philosophy of focusing less on future savings and more on making the most of the present moment\u2014cultivating well-being, pursuing passions, and nurturing relationships.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.interac.ca\/en\/content\/life\/this-is-your-brain-on-shopping\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dr. Gillian Mandich, founder of the International Happiness Institute of Health Science Research<\/a>, notes that autonomy\u2014a sense of financial independence through staying on budget\u2014could be the decisive factor in our emotional response to spending on many purchases, not simply the dollar figure.&nbsp;<\/p>\n\n\n\n<p>\u201cWhat we see from the research is that autonomy is more of a predictor of our happiness than how good looking we are, how popular we are or how much money we have,\u201d she says. \u201cWhen we\u2019re spending our money, it can be a very empowering experience when we do it intentionally and deliberately.\u201d&nbsp;<\/p>\n\n\n\n<p>A mindful approach can help you be present and in control of your financial decision-making, and convenient and secure Interac payments can help you execute those decisions with confidence.<\/p>\n\n\n\n<p>For more on how to create a mindful approach to managing your money, check out\u202f<a href=\"https:\/\/www.consciouseconomics.ca\/mindfulness-money\" target=\"_blank\" rel=\"noreferrer noopener\">Mindfulness &amp; Money<\/a>, the free educational video resource from Conscious Economics and Interac.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-loud-budgeting-speak-out-about-spending\">Loud budgeting: Speak out about spending<\/h3>\n\n\n\n<p>The term \u201cloud budgeting\u201d\u2014vocally discussing your financial goals, choices and budget with friends and family (or the internet)\u2014was first coined in a TikTok video by Lukas Battle, a 26-year-old comedian and writer.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nytimes.com\/interactive\/2024\/03\/22\/business\/what-is-loud-budgeting.html\" target=\"_blank\" rel=\"noreferrer noopener\">Battle told The New York Times<\/a> that loud budgeting is about\u202fsetting \u201cfinancial boundaries without being uncomfortable or embarrassed.\u201d&nbsp;<\/p>\n\n\n\n<p>Social media has certainly contributed to making it acceptable, even trendy, to talk about money. And experts agree that verbalizing your financial goals is a great way to take control. After all, financial anxiety is often the result of expenses that are either outside of our control or surprising ones such as the \u201cset-it-and-forget-it\u201d subscription services or\u202f<a href=\"https:\/\/www.interac.ca\/content\/business\/buy-now-pay-later-gains-ground-in-canada-five-things-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Now Pay Later<\/a>\u202fitems.<\/p>\n\n\n\n<section id=\"block-skywalker-block_8d8f8e40883d530a2c21cdd560214cfe\" class=\"safe-area content-skywalker\" style=\"background-color:#edebe3; margin-top: 0px; margin-bottom: 5px; padding-top: 18px; padding-bottom: 0px;\">\n    <style>\n                .content-skywalker h2 {\n            font-size: 36px;\n            padding: 0px;\n            line-height: 1.2;\n            }\n    <\/style>\n\n    <div class=\"grid-container\">\n        <div class=\"grid-x align-left\">\n            <div class=\"small-12\">\n                                                    <p><strong>Did you know?<\/strong> Gen Z has been dubbed the <a href=\"https:\/\/www.interac.ca\/en\/content\/news\/gen-z-anxiously-navigates-financial-firsts-and-shifts-everyday-spending-behaviour-amid-current-economic-conditions\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cdebit-first\u201d generation<\/a> for their focus on avoiding debt (Interac Debit makes that simple when shopping, because you always know where that money is coming from).<\/p>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<p>When someone else talks about their finances, others often feel seen and inspired to act (are you checking on your subscriptions right now?). By taking control of your finances, taking a mindful approach to money and taking steps to balance future savings with present experiences, you can work to build a life that works for your wallet, and your well-being.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Get more advice on taking charge of your finances with Interac<\/strong><\/p>\n\n\n\n<section id=\"button-ochre-block_54b69d126b080799bd94be7994d27a2b\" class=\"button-link\">\n    <div class=\"grid-container\">\n        \n                        <div class=\"grid-x grid-padding-x align-center\">\n                        \n            <a href=\"https:\/\/www.interac.ca\/en\/content\/ideas\/reconnecting-confidence-helping-gen-z-take-charge-of-their-finances\/\" class=\"button-ochre\" aria-label=\"Click here\">Click here<\/a>\n            \n                            <\/div>\n                    \n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Personal finance can be a profoundly personal topic. How we feel about our financial security\u2014our budgets, our savings, any debt we might be paying down\u2014can have a profound impact on our overall sense of satisfaction with our lives. And this connection could present a particular challenge for a generation that has experienced unusually high levels&hellip;<\/p>\n","protected":false},"author":28,"featured_media":173430,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"content-tags":[279,272],"content-category":[192],"spokespeople":[],"in_the_know_post_format":[169],"class_list":["post-173427","content","type-content","status-publish","format-standard","has-post-thumbnail","hentry","content-tags-interac-debit","content-tags-interac-e-transfer","content-category-life","in_the_know_post_format-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financial Mindfulness: Tips for Managing Money<\/title>\n<meta name=\"description\" content=\"A mindful approach to finances\u2014from paying rent, to grocery budgeting, to embracing loud budgeting and soft savings\u2014can have a big impact on well-being.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.interac.ca\/en\/content\/life\/mind-over-money-tips-for-managing-your-wallet-and-improving-your-well-being\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mind over money: Tips for managing your wallet and improving your well-being\" \/>\n<meta property=\"og:description\" content=\"Personal finance can be a profoundly personal topic. 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