{"id":751,"date":"2026-11-05T17:30:20","date_gmt":"2026-11-05T17:30:20","guid":{"rendered":"https:\/\/ugurkilci.com\/blog\/?p=751"},"modified":"2026-11-05T17:40:41","modified_gmt":"2026-11-05T17:40:41","slug":"financial-stress","status":"publish","type":"post","link":"https:\/\/ugurkilci.com\/blog\/financial-stress\/","title":{"rendered":"I Haven\u2019t Solved the Financial Stress, But I Have Reduced It!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/en.wikipedia.org\/wiki\/Financial_distress\" target=\"_blank\" rel=\"noreferrer noopener\">Financial hardship<\/a> occurs when expenses exceed income. Remember, expenses exceed income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your monthly expenses are 20 units and your income is 15 units, you\u2019ll face financial hardship. That\u2019s because you\u2019re 5 units short. If you stress out every month trying to make up for that 5-unit shortfall\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From time to time, I went through things like this, too. Every now and then, I looked for a solution. This time, instead of trying to solve it, I thought of reducing the stress load. Reducing the stress load!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I found the solution while thinking about the \u201cphantom traffic jam\u201d concept.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s assume my monthly expenses are 20 units and my income is 15 units.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If we\u2019d had an additional 20 units in our pocket, we\u2019d have had 20 + 15 = 35 units that month. If I paid 20 of them, I\u2019d have 15 units left in my pocket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The following month, we had 15 units of income left over from the previous month. We also earned 15 units this month. Right now, we have 30 units in our pocket. But we don\u2019t have a 5-unit shortfall.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">15 + 15 = 30<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">30 &#8211; 20 = 10<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We haven\u2019t experienced any financial stress for two months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The following month (that is, the third month), we had 10 units left over from the previous month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">15 + 10 = 25<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">25 &#8211; 20 = 5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We didn\u2019t experience any financial stress in the third month either.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the fourth month, we repeated the same process with the remaining amount from the third month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">15 + 5 = 20<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We no longer have any extra money left. However, we didn\u2019t experience any financial stress for four months. But life is full of entropy. So let\u2019s calculate based on three months instead of four. Let\u2019s count the additional month as an expense for emergencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you generate side income equivalent to one month\u2019s expenses over three months, you\u2019ll face financial hardship once every three months instead of every month. The advantage of this is that instead of dealing with sales stress every month, you spread the stress of generating side income over three months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What I&#8217;m really focusing on here isn&#8217;t the formula itself. It&#8217;s how I approach the formula.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s the solution I\u2019ve developed. What do you think? Don&#8217;t hesitate to <a href=\"https:\/\/ugurkilci.com\/en#contact\" target=\"_blank\" rel=\"noreferrer noopener\">tell me<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ugurkilci.com\/blog\/wp-content\/uploads\/2026\/11\/financial-stress-1024x576.jpg\" alt=\"\" class=\"wp-image-753\" srcset=\"https:\/\/ugurkilci.com\/blog\/wp-content\/uploads\/2026\/11\/financial-stress-1024x576.jpg 1024w, https:\/\/ugurkilci.com\/blog\/wp-content\/uploads\/2026\/11\/financial-stress-300x169.jpg 300w, https:\/\/ugurkilci.com\/blog\/wp-content\/uploads\/2026\/11\/financial-stress-768x432.jpg 768w, https:\/\/ugurkilci.com\/blog\/wp-content\/uploads\/2026\/11\/financial-stress.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Financial hardship occurs when expenses exceed income. Remember, expenses exceed income. If your monthly expenses are 20 units and your income is 15 units, you\u2019ll face financial hardship. That\u2019s because you\u2019re 5 units short. If you stress out every month trying to make up for that 5-unit shortfall\u2026 From time to time, I went through [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":753,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[126],"tags":[182,180,183],"class_list":["post-751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thinking","tag-finance","tag-phantom-traffic-jam","tag-stress"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>I Haven\u2019t Solved the Financial Stress, But I Have Reduced It! - Ugur KILCI Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ugurkilci.com\/blog\/financial-stress\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"I Haven\u2019t Solved the Financial Stress, But I Have Reduced It! - Ugur KILCI Blog\" \/>\n<meta property=\"og:description\" content=\"Financial hardship occurs when expenses exceed income. Remember, expenses exceed income. If your monthly expenses are 20 units and your income is 15 units, you\u2019ll face financial hardship. That\u2019s because you\u2019re 5 units short. 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