How to Stop Stressing About Money: This Is What to Do to Relax

Updated on June 16, 2021

When you’re trying to make ends meet, it can be hard not to stress about money constantly. The total U.S. consumer debt is at $13.86 trillion, which includes mortgages, auto loans, credit cards, and student loans.

The truth is that you’re not alone in your money woes. Luckily, there are ways to feel better about your bank account and stop stressing.

There are several ways to relax when stressed about your finances. Continue reading to learn more about how to stop stressing about money.

How to Stop Stressing About Money

It’s easy to get caught up in negative thoughts about money. The fear can strike at any time, while your driving in your car or late at night when you’re trying to sleep. One thought can lead to a slew of other worries about what could happen or how you’re going to pay your next bill.

But you don’t have to be a slave to your worst fears. There are ways to get back in control and take action to curb your issues surrounding money. Let’s take a look at how you can start doing that today.

Write It Down

The best thing to do when you’re stressed is to write it down. When it comes to financial stress, this could mean writing down all the things you are afraid of surrounding money. 

This is not only going to help by getting all of those negative thoughts out of you and onto paper. It also helps you hone in on what your deepest fears surrounding money are and what gives you the most anxiety.

Then you can start to focus on fixing those aspects first. This could mean paying off the highest debts first or figuring out a way to start saving.

Positive Thoughts

The first and easiest way to relax is to redirect your thoughts to something positive. Focusing on the good parts of your financial situation can help you collect yourself. 

You can also practice self-care and naturally calming remedies. CBD buds or Kratom are great ways to treat yourself and help you relax. Plus, they’re safe to use and don’t have psychedelic effects.

We know that thinking positively isn’t going to solve all your problems. But it can give you a better perspective on your financial strengths that can then help you come up with solutions.

The best way to really achieve this is by writing down your achievements and positive aspects of your relationship with money. This could be having a 401k, a consistent job, or having enough to afford the basics like a roof over your head and a warm meal. 

Revisit Your Budget

Maybe you haven’t even created a budget for yourself, or maybe it’s been a while since you looked it over. If you’re struggling with money, then there may be an opportunity to save in some area of your regular spending.

The best way to figure this out is by creating a budget for yourself. You can start by listing all of your necessities such as rent, weekly groceries, Internet bills, etc. Then add on other expenses that may come up, such as car repairs, medical bills, and other emergencies.

If you have debt, you should create a pay-off plan to start chipping away at it before spending money on anything that isn’t absolutely necessary. Getting into debt is usually the number one cause of stress, so the sooner you get out of it, the better you should feel. 

You’re Not Alone

When it comes to having debt and stress surrounding money, you’re not alone. On average, American households that have credit cards also have $8,398 of credit card debt.

You shouldn’t feel shame about your financial situation or even about past financial mismanagement. It may be hard to take a long hard look at your current situation, but it’s the first step in getting out of it—and of relieving stress. 

You can always reach out to someone for help or make an appointment with a financial advisor. They can help you get back on your feet and also ease your stress by offering clear guidance.

Create An Plan

When you have a plan and stick with it, you won’t have to waste energy worrying. A good financial plan takes into account your income, savings, debt, expenses, and priorities for spending. 

Sticking to the plan is great to start off, but it’s okay if you need to change it along the way. Things like your job status, the global economy, or unforeseen circumstances may require you to revisit your budget.

Part of the plan may be accepting what is within your means. That could be not buying a new home or retiring at 65. Although things could change, it’s important to let go of what may be impossible for you in your current situation.

Change Your Situation

Even if you are currently unable to keep up with your current bills, you may be able to change your circumstances with the right plan. This could mean going back to school, cutting back on spending, or taking on a second job. 

Just because you’re unhappy in your current situation doesn’t mean it couldn’t change in the future. The key is to coming up with a plan and exploring all of your options.

Celebrate Your Progress

As you start to put effort into improving your financial circumstances and meeting goals for saving or paying off debt, it can be exciting to watch your progress. Enjoy the positive aspects of your journey and give yourself credit for learning how to better manage your money.

This not only eases your stress but can help you to feel good about money and your future. Don’t wait to start taking control of your financial situation. Before you know it, you’ll be in better shape.

Feel Better Today

It may be difficult at first to figure out how to stop stressing about money. But the first step is talking about your money problems or writing them down. The sooner you do that, the sooner you can get started on a comprehensive plan. 

Looking for more ways to live your best life? Check out these other articles to help improve your financial circumstances.

The Editorial Team at Healthcare Business Today is made up of skilled healthcare writers and experts, led by our managing editor, Daniel Casciato, who has over 25 years of experience in healthcare writing. Since 1998, we have produced compelling and informative content for numerous publications, establishing ourselves as a trusted resource for health and wellness information. We offer readers access to fresh health, medicine, science, and technology developments and the latest in patient news, emphasizing how these developments affect our lives.