Dealing With Financial Stress




Money does matter in this world. We need to work hard and revolve our thoughts and actions around it every day. We need money to survive, and sadly sometimes, it can be the cause of all our problems. It causes stress which affects our overall health in a significant way. It is one of the primary ingredients in developing severe medical health issues such as cancer, heart diseases, and mental health issues.


What Is Financial Stress?

Financial stress is a situation where your daily life consists mainly of thinking of how and where to get money to make ends meet. This situation can affect most of us because not all of us have the financial freedom that’s why we all have to put all our effort and time into making money.




What Are The Signs That You Are Financially Stressed?


  • Brad Klontz, PsyD once said, “As long as we feel like we’re doing average and have basic needs met, such as food and shelter, there is no correlation between money and happiness.” But that is not true when you have a long-overdue credit card balance. There’s a feeling that you are a prisoner whenever you look at that blue card of yours, and the letters from the bank are already piling up on your living room table. You’re thinking if you’re going to pay it all, how are you going to eat?


  • Your bills are always overdue. The payment for the house is two months delayed and sometimes, you feel uncomfortable going home especially when the landlord lives right next to you. You’re hoping they’d understand, but it’s where they get their needs too.


  • You owe your closest friends. Of course, your friends will understand your situation, but your debts have been longstanding and you still can’t give them anything. They wouldn’t force you to pay up because they know you can’t, and somehow, this affects your self-esteem. You want to make it up to your friends, but you just can’t yet.


  • You stay awake at night thinking about how to make money. Even though you’re supposed to rest, you lie awake thinking where to get the money for your son’s school projects or your brother’s hospital bills. You’re always hoping that tomorrow will be brighter, and somehow, there’ll be a miracle to save you.


  • You spend some time dreaming you were rich. You always daydream of living in your dream house, and it makes you feel bad that you’re not. You feel like it’s never going to happen, and you just lift yourself up from the sadness and frustration.


  • You do things you wouldn’t usually do just to get money. You’re thinking of getting a second job or anything that will earn you You’re thinking of selling this and that or have probably already had. Eric Dammann, PhD once said, “We all have money issues and quirks of one kind or another. If we don’t know what those quirks are, they will emerge in a time of real stress or panic.”


  • You can’t buy the stuff you want. You always wanted to buy clothes or a new pair of shoes for yourself, but you keep wearing the same old pair that you have because you can’t afford to buy a new one. It affects your self-esteem and self-worth because all the fancy looking ladies on TV and magazines make you feel like trash.


  • You struggle to buy the stuff you need. It’s once in a blue moon that you can afford to buy a decent meal, and you often overlook your health. You don’t get the proper nutrients because instant or processed foods are the only ones you can afford.


  • You look exhausted. Stress will catch up with It will show in your aura. No matter how well you groom yourself, you will always have that tired look. You would look pale and blank, and your skin would look dry.


  • Your friends would say you lost weight. Whenever they see you, they would tell you how horrible you look. It’s because you don’t have time to take care of yourself anymore. You feel the need to, but you often skip it because you think it’s a waste of time to spend it on prepping up.


What Are The Medical Health Conditions Caused By Financial Stress? 

  • Asthma
  • Cancer
  • Depression And Anxiety
  • Diabetes
  • Eating Disorders
  • Gastrointestinal Problems
  • Heart Disease/Attack
  • High Blood Pressure
  • Insomnia
  • Obesity
  • Psoriasis
  • Substance Abuse
  • Weight Gain/Loss
  • Rapid Aging
  • Early Death




What Are The Ways To Deal With Financial Stress?

  • Pay one debt at a time.
  • Avoid spending on unnecessary things until you have paid all your debts.
  • Don’t borrow money just to pay a debt.
  • Drink chamomile tea to help you sleep better at night.
  • Exercise or walk your way to the office.
  • Instead of buying processed food, buy fruits from the stand on your way home.
  • Don’t use your credit card for unnecessary spending.
  • Avoid buying the stuff you don’t need.
  • When going to the grocery, always make a list of the things you need and stick to it.
  • Avoid the compulsive spending whenever you get your salary thinking it is okay to spend money because you worked hard for it.


It is a struggle to deal with the financial crisis. However, Elizabeth Scott, MS, a wellness coach said, “Learning to cope with financial stress and effectively manage your financial situation can help you feel more in control of your life, reduce your stress, and build a more secure future.” It makes us prisoner of something that we think is easy for everybody else, but we all somehow have experienced hardships. It’s a matter of the right attitude and mindset in dealing with the negativity caused by our financial problems. We must bear in mind that at the end of the day, the most important thing is that we are alive and healthy, and we always have an opportunity to do better.