Financial Peace Through Smart Choices
Money (the lack of it, the relationship conflicts, the jealousy) can be very Frustrating! The definition of frustration comes down to a gap between a person’s expectations and the reality of a situation. Frustration is the emotional response to the situation. This is often a roadblock to thoughtful and appropriate financial decisions. The LOWER method helps you manage the emotions, so you can then manage the finances.
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Feeling Lost with Investments? LOWER your Frustration for Clarity
Feeling lost every time you open your investing app? Use the LOWER method’s 5 simple steps to calm the chaos, make smarter decisions, and swap anxiety for lasting…
4 min read
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Stop Absorbing Negative Emotions From Others: Use the LOWER Method To Stay Calm
If you’re tired of feeling responsible for everyone else’s mood, this mindset shift will help you stop absorbing others’ emotions without shutting down or people-pleasing. Learn the simple…
4 min read
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Job Loss, Underemployment & Income Instability – Why Uncertainty Feels So Threatening (And How to Stay Grounded When Work Isn’t Secure)
When work feels shaky—job loss, underemployment, or hours cut—this guide explains why uncertainty rattles your nervous system and shows simple steps to lower stress, shame, and panic. Learn…
4 min read
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Why You Sabotage Your Budget: Stop Costly Habits With the LOWER Formula + 5 Easy Emotionally Intelligent Fixes
If your “perfect” plan keeps falling apart, it’s probably not the math—it’s budget sabotage driven by stress, shame, and the need for quick relief. Learn how the LOWER…
4 min read
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When Debt Keeps You Up at Night: Sleep, Stress, and the Nervous System
When Debt Keeps You Up at Night: Sleep, Stress, and the Nervous System—lower your panic, raise your rest. Learn why money worries hijack your nervous system at night…
4 min read
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How to Talk About Debt Without Arguing: Scripts for Couples, Teens, and Parents
Debt conversations don’t have to end in fights—use simple scripts and a teammate mindset to lower defensiveness, build trust, and turn money talks into progress. Inside, you’ll get…
4 min read
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Debt Anxiety vs. Debt Reality: How to Stop Catastrophizing Your Finances
Feel like one unexpected bill could break you? Learn simple, shame-free steps to lower the noise, separate fear from facts, and take calm, doable actions that put you—not…
4 min read
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Financial Stonewalling: Frustrated When Your Partner Won’t Talk About Money? Try the LOWER method
If financial stonewalling communication has you feeling like you’re shouting into a void every time you mention money, this article will show you how to use the simple…
4 min read
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The Debt Avoidance Loop: Why You Ignore Bills and How to Regain Control
In The Debt Avoidance Loop: Why You Ignore Bills and How to Regain Control, you’ll learn simple, science-backed micro-steps to calm your nervous system and lower stress, shame,…
4 min read
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Debt Stress & The Mental Load – Why Owing Money Hurts More Than Your Wallet
Debt doesn’t just drain your bank account—it hijacks your headspace, fueling anxiety, sleepless nights, and constant second-guessing. In this guide, you’ll learn why debt feels so heavy and…
4 min read
