How To Solve Money Problems Creatively

Posted on April 11, 2012 | By Mindy Crary

Creativity has so many different definitions and applications; in terms of your money problems or challenges, creativity is the ability to stay open to boundless possibilities . . . perhaps the possibility of new interpretation of your situation, OR the possibility that things don’t have to go EXACTLY as planned for everything to turn out fine.

When we’re willing to accept that our money problems and challenges don’t have to be addressed or solved in the perfect, exact, ideal way we imagine–and still be willing to allow for the possibility that everything will be all right–we lower our resistance, attachment and control issues. We release judgment. We stop comparing ourselves to other people. When we let go of the idea of the perfect financial situation (the perfect retirement, cash reserve or being perfectly debt free), we stay open to good things we might not have noticed otherwise.

So, how do we stay open? Fast Company magazine did an article on the myths of creativity in the workplace, stating that creativity isn’t something that you’re either born with or not; you can cultivate it in everybody. Here’s what they found:

It’s harder to be creative in isolation. We already know that better solutions come from team work and not individuals, and the collaboration between people also helps foster more creativity.

Creativity happens when people feel good. In an office environment, creativity can be attributed to good work conditions, good people and a positive environment. People have to want to come to work in order to be creative there!

Creativity CANNOT happen under pressure. Employees do not perform creatively with threats of negative consequences from their partners, bosses or managers.

Creativity doesn’t happen sitting at a desk. How many times have you heard someone say that they got a great idea in the shower? Creativity can flow when we leave the problem and let our subconscious go to work.

How can we apply this to being creative with money problems?

Eliminate Isolation: Find someone or a group of people who can listen to your situation without judgment and offer different perspectives and ideas for your consideration. You can’t be open to possibility if you only see the solution you’re stuck on! Some people might prevent themselves from reaching out due to shame over their financial situation, but if you can overcome that, you’ll find that nobody is financially perfect.

Feel Good: Not only is this good energetically, you also can’t practically make your best money decisions when worried, angry, hurt or depressed. And you can’t move toward a financial resolution if you haven’t forgiven yourself for poor decisions in the past. If you feel that way, you need to break the cycle and go do something else before you decide on a course of action.

Maintain Low Stress/Pressure: Just as a manager cannot motivate employees with threats of negative consequences, YOU cannot think about money problems with a deadline hanging over you, or in a panic because you think you’re going to miss out on something, like the perfect house, interest rate, market turn, etc. Downtime is essential to increase your sense of money peace.

Cultivate Creative Venues: This can be project based, such as getting yourself involved with something so you quit thinking about your money,

be environmental, like a space delineated for creative thinking. Movement or regular exercise will also opens up your creative channel; basically anything that forces your thoughts away from worry for any amount of time.

If you strive to bring more creativity to your money problems, and stay open and willing for things to unfold in their own time and in their own way, you’ll be surprised at the deeper satisfaction and peace you feel about your unique and perfectly imperfect financial life.

Now it’s your turn: How else can you bring your creativity to solving money problems?

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13 Responses to “How To Solve Money Problems Creatively”

  1. Debra Smouse says:

    Getting outside and into nature has always sparked my creativity, taken my mind away from whatever was worrying me and given me fresh perspective.

  2. I think that high pressure situations, combined with a lack of self-forgiveness, can be blamed for all of my moments of poor money management. Those really do block creativity!

  3. Mindy Crary says:

    Sally, the idea of using other people’s creativity is a great inspiration! Good one.

  4. Blaze says:

    Let’s get creative….I can feel the universe rewarding us financially already!

  5. An says:

    Ooh, I love creativity, new perspectives that bubble up, ideas that pop up, aha’s and fresh insights that hit me! I am most creative when I’m feeling playful, when I’m not desperately chasing any outcome or result, but when I’m just happy in the moment and open to whatever bubbles up!

  6. Yvette says:

    Great post! I exercise, listen to music, play with my kids, flip to my magazine piles to get into the creative zone. I must admit, the hubby is much better at finding ways to get more creative with getting out of a financial setback, but I’m learning and getting much better at it.

  7. Bryan says:

    1) The picture in this post horrifies me.

    2) I think people are unable to come up with as creative ideas concerning money as they might in part because talking about money remains a cultural taboo. Since people feel like they shouldn’t talk about it, people don’t talk about it, and these people lose out on the creative ideas that might come through collaboration.

    • Mindy Crary says:

      Thanks Bryan, you made me laugh with that comment about the picture :o) And you’re right, the cultural taboo factor remains an obstacle for people who would otherwise benefit from the collaboration. Thanks so much for your comments!

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