How to Deal With a Financial Stress

Financial stress is an issue most people will face throughout the course of their lives. This type of stress can be brought on by mounting debt, the loss of a job, divorce or virtually any life-changing event. Financial stress can also cause a number of physical ailments, including anxiety, depression, insomnia, migraines or high blood pressure. Often, it may seem as though having more money is the only answer to dealing with financial stress; however, there are ways to cope with pressure when money worries are at their worst.

Instructions

• 1

  Set a daily budget for necessary expenses such as food and gasoline. If you find that you have spent less than your budget at the end of the day, reward yourself with something small that you enjoy, such as a favorite dessert or a movie rental. This can motivate you to spend less each day, and might even help you to appreciate small things in life even more.

• 2

  Devise a long-term plan for budgeting during your financial crisis. Set weekly and monthly budgets in addition to your daily budget. Track how much you spend over longer periods of time, and cut back on things you don't need. Avoid procrastinating when you decide to make a financial plan, as this can only compound your stress further.

• 3

  Write down your financial worries. Keeping a journal can prevent you from feeling overwhelmed by stressful thoughts. Record creative ideas for saving money, and write down the various ways you and your family members can benefit from being financially responsible. If you suffer from stress-related insomnia, write down your thoughts before bed to help you put them out of your mind, which may allow you to fall asleep faster.

• 4

  Take care of yourself. Eat the healthiest foods you can, exercise regularly and get plenty of sleep. When your body is healthy, you are more likely to cope with stress in a level-headed manner. Take time to relax and meditate for several minutes during your day, which can clear your head of worrisome thoughts that make your financial stress even worse.