How To Effectively Manage Stressful Money Matters

Ask the adults about stress, and they’d probably blab nonstop. You know you’re a grownup when you feel stressed, and it is because by the time we reach adulthood, we are expected to be ready. There is no more room for mistakes, and judgment and criticism will always be an issue in everything we do.



Some people develop mental health issues because of stress. According to Dr. David Ballard, PsyD “When stress becomes chronic, this narrow focus continues for a long time and we have difficulty paying attention to other things.” Eventually, it will also affect their overall health because as we all know, it is a significant factor for life-threatening medical problems such as cancer, heart problems, and many others.

What Is The Most Common Source Of Our Stress And How Do We Effectively Deal With It?

“Adulting” is a term used when you do responsible acts like paying the bills and such. When you finally reach the age of adulthood, you will realize that money matters. We have to accept that money makes the world go round, and yes, it does get stressful whenever you run out of it. As explained by Ben Martin, Psy.D. “A stressful change in life patterns can trigger a depressive episode. Such stressful events may include a serious loss, a difficult relationship, trauma, or financial problems.”

Adulthood means you’ll have to pay bills mostly every end of the month, check the fridge if there’s enough food for the week, and see to it that you get to save for emergency situations. If you don’t do these things, you start to worry, leaving you irritable and grumpy.


Smart budgeting is the key to money matters. You never have much money if you spend as much, and you can never run out if you know how to manage your finances. Spend according to what you earn, and not based on what you want or what society demands. Sometimes, it all comes down to knowing your wants versus needs.

What Are The Things You Can Do To Make Money Issues Less Stressful?

Avoid going to the grocery store hungry because chances are you will buy everything that invites your taste buds. Make a list of the stuff you need and cross them out as you fill your cart. Don’t wander around after you’re finished getting the things you need because you may see stuff you think you need but you don’t.

Pay your bills on time. Never put your luxury or pleasure before your bills. You may see these responsibilities as a burden, but they are a symbol of maturity. When you choose to buy something you want when you know a bill is due, that is not a responsible thing to do. It will just cause you to worry in the future.

Make your savings a part of your budget. Every time you receive your salary, include your savings in the division of your budget. You can keep 20% for your savings, and budget the rest for your needs. Your future self will have you to thank for it.

Often, we worry about things that haven’t happened yet. Yes, the bills will surely come, or if you are renting, your landlord will have to ask you to pay. Talk to them nicely and tell them you won’t be able to pay on time. It’s better than hiding from them.

“Tied to the overthinking factor, most individuals who are diagnosed with anxiety as a mental health disorder also experience high levels of perfectionism and compulsive behaviors that begin to drive their lives.” Wendy Iglehart MA, LCPC, LLC said. Therefore, don’t overthink. A problem is called a problem because it has to have a solution. It doesn’t mean you just have to let it solve itself. Of course, you have to do something about it. It’s just better when you don’t overreact to it because it makes you think clearer. You’ll have better judgment, and you’ll avoid impulsive decisions.



Money is a stressful matter, but remember that we were meant to control it and not the other way around. Learn the art of budgeting because it can have a significant impact on your stress level. It doesn’t just leave you worry-free, but it also promotes a harmonious and peaceful life.