Money troubles kill relationships. They also cause major stresses, catalyze health problems, ruin plans, mess up sleep schedules, and so much more. We hate to admit it, but money is easy to worry about, and many of us do it a lot. What’s more, there is good reason to worry about money. Without enough of it, we can’t live where we want, eat what we want, get educated, have a fun time out of the house. Like it or not, your sense of well-being has much to do with how much money you have and how you use it. So here are a few ways to earn more peace of mind with your money.

• Life Insurance

  Perhaps the best way to get peace of mind in your financial life is to buy life insurance. If you’ve never thought about buying life insurance before, you probably don’t have much of a sense of how much it costs. Many people that life insurance quotes come in at a much lower price than they anticipated, especially for people who are young and healthy. Life insurance creates peace of mind not just for you, but for the people who depend on your for income and security.

• Know Where Your Money Goes

  If you’ve ever made a budget after a long period of not paying attention to your money, you know how much it hurts. It can seem like your spending record is judging you, and some people avoid this at all costs. But the only way to spend money more wisely is to take a close look at how you need to spend, and how you actually spend in practice. Often there is too much difference between these two criteria, and you should find a way to spend your money according to better measures and goals.

• Get an Emergency Fund

  Saving for an emergency fund is one of the most important financial habits you’ll ever get in. An emergency fund is meant to protect you in the event of an accident, a breakdown, and any number of unexpected expenses. It takes awhile to build an emergency fund enough to cover you and your family for 6 months (the oft-recommended amount), but once you’ve managed to do it, you’ll find it’s worth it. An emergency fund provides great peace of mind 1) because you know you’re taken care of, and 2) to make one you will have had to attain other important financial goals like debt elimination and saving habits.

There are many ways to live beneath your means and acquire better financial peace of mind. We lose our cool financially when our money is out of control. Learn the basic ropes of personal finance, spend time caring for your own financial garden, and you may be surprised at the extent to which it improves your life. People don’t feel secure when their means of sustenance and shelter are constantly in upheaval. When you have financial security, you are very likely to have physical security, which can only have a positive impact on your state of mind.