The ABCs of COPING with Financial Stress

I personally believe the best way to cure anything is to understand the cause and than find ways to eliminate it, rather then just looking for short term solutions to suppress it. Suppressing it is only temporary, if you don’t find a solution for the cause, you will keep seeing yourself in the same situation over and over again. Short term solutions only treats the condition temporarily but does not solve the problem.

Financial stress, whether it’s the result of redundancy, debt, unexpected expenses or lack of savings, is no fun.

The simmering worry can really weigh you down and tax your health more than you may realize.

Is Money the Top Cause of Stress

Yes it is, and according to the American Psychological Association, In 2015 it was reported that 72% of Americans stressed about money at least some of the time during the previous month. The majority of the study participants reported money being a significant source of stress, with 77% feeling considerable anxiety about finances.

Why Money the Numbers 1 Source of Stress

There are multiple reasons why money is a major source of stress according to experts. One of the reasons is because the way money is viewed in society. For many people wealth equals success. And for those who have money issues, they are usually dealing with debt, which leads to them feeling insufficient or even worthless because they have few assets to show for their work.

Above all that, is the lack of formal education when it comes to money, who’s teaching you about money? There’s a lack of formal financial education in our school system. So many people learn from their friends and family which creates its own set of problems, because most of them don’t have knowledge to teach others about money.

Ways to Overcome Financial Stress

7 ways to Cut Out Financial Difficulties

First thing you need to do is to identify exactly where the issue lies. Many people avoid this step because they don’t wanna know how bad it really is. However its difficult to deal with the issue if you don’t understand it.

  1. The first thing to do is Identify your financial stressors and make a plan. Take a look at your bank statements and take note of where your money is going.  If you having trouble paying your dept, reach out for help. Contact dept rescue.
  2. Use a Budget, It will help you plan your monthly spending which takes into account your income and expenses.
  3. Start tracking your spending. It reveals spending issues and help you stick to your budget.
  4. Change your spending habits, don’t spend money you don’t have. follow the list below
  • Make a list
  • Avoid situations that make you spend foolishly
  • Use a visual reminder, keep a small picture that represents your long term goal in your purse or wallet.
  • Replace bad habits, don’t buy things that you can get for free.
  • Be accountable, share your list with someone you trust and can support your efforts for change, by asking them to hold you accountable
  1. Cut your credit cards why? A credit card in your wallet or purse can prove too much of a temptation to spend more.
  2. Save money. Saving money gives allows you to enjoy greater security in your life. If you have money set aside for emergencies, you have a fallback should something unexpected happen.
  3. Seek help from financial adviser. Financial adviser can be a great help in getting a handle of debt. They can help you get your finances in shape for today and the future.

6 Ways to Handle Financial Stress

  1. Health habits, stay away from alcohol and smoke. While alcohol may help deal with stress in a short term, in a long run it can contribute to feeling of depression, anxiety and make it harder to deal with stress.
  2. Good night sleep, be in bed by 21:30 and wake up early. A good night sleep makes you able to tackle stress more easily.
  3. Eat healthy, stay away from fast food. A healthy diet can help counter the impact of stress by boosting your immune system and lowering blood pressure.
  4. Exercise regularly, go for a run helps your body handle stress better. Exercise also has some direct stress-busting benefits. Exercise helps bump up the production of your brain’s feel-good neurotransmitters, called endorphin.
  5. Stay active, when dealing with stress we usually find our-self spending allot of time in dark rooms, indoors in self-pity. Instead of giving in, stay active and spend time friends to help you stay distracted.
  6. Seek help. Many times, financial stress turns into full-blown depression because people don’t get the kind of help and support they need.

What You Should Know About Stress

1. Stress affects everyone

Everyone experiences stress from time to time, all which carry physical and mental health risk. It can happen repeatedly over a long time. Some people cope with stress more effectively than others and recover more quickly then others.

2. Not all stresses are bad

In dangerous situation stress is good, because it prepares the body to face a threat or flee to safety. In non-life-threatening situation stress can actually motivate people.

3. Long-term stress can harm your health

Coping with chronic stress can be challenging. Long term stress is more constant, the body never receives the signal to return to normal. With chronic stress the same lifesaving reaction within the body that is supposed to protect you, shuts your body down.

Negative Effects of Stress on your Body

When you stressed your body naturally enters a state of emergency, your body roars into a state of Overdrive in which it can handle for a very short time. If you don’t calm down and get rid of it eventually your body won’t be able to handle it anymore and as a results it will start shutting down.

In a short term, physiological changes, including increase in blood pressure, high levels of glucose in the blood stream and decrease in appetite, are important adaptations, which normally causes little damage to our body.

But chronic stress result in suppressed immune system, heart attacks, stroke, diabetes and a range of other conditions

Physical Effects of Stress

  • Headaches
  • Muscle pain
  • Digestive issues
  • Insomnia
  • High blood pressure
  • High blood sugar

Mental Effects of Stress

  • Inability to concentrate
  • Increased irritability
  • Inability to control emotions like anger and sadness
  • Panic attacks
  • Increased anxiety
  • Restlessness
  • Dependency on alcohol, drugs, etc.
  • Depression

Further reading.

Positive Effects of Stress

When your body responds to stress, it prepares itself for the possibility of what is to come. When in a state of stress the body produces chemicals that helps regulate the immune system, providing at least a temporary defensive mechanism.

Low level stress helps boost brainpower, low-level stressors stimulate the production of brain chemicals called neurotrophins, and it strengthens the connections between neurons in the brain. Good stress, also known in the scientific community as eustress, may just be the thing you need to motivate you to succeed.


Managing stress is very important as it leads to a happier and healthier lifestyle. Handling stress better will help you make better decisions in crucial moments.

10 Ways to Manage Stress

How you handle stress makes a big difference in how you feel. If you handle it bad then it will have a negative effect on your blood sugar level, blood pressure and the rest of your body. To better handle stress in a nutshell, run or walk, meditate and do yoga.

1. Be observant

Recognize the signs of your body’s response to stress, such as difficulty sleeping, increased alcohol and other substance use, being easily angered, feeling depressed, and having low energy.

2. Talk to your health care provide

Get proper health care for existing or new health problems. Effective treatment can help if your stress is affecting your ability to work.

3. Practice Mindfulness or Yoga

Mindfulness is a mental state achieved by focusing one’s awareness on the present moment, while calmly acknowledging and accepting one’s feelings, thoughts and bodily sensations, which is achieved through Mindfulness Meditation. Mindfulness teaches you to control you mind.

Learn to practice Yoga ,is known for its ability to ease stress and promote relaxation. Yoga is effective in reducing stress, anxiety, and depression. Thus, it can be used as complementary medicine according to the International Journal of Preventative medicine.

4. Exercise and Relax

Exercise is one of the most important things you can do to combat stress. The benefits are strongest when you exercise regularly. People who exercise regularly are less likely to experience anxiety than those who don’t exercise at all. There are few reasons behind it.

  • Exercise lowers your stress hormones
  • Exercise can also improve your sleep quality, which can be negatively affected by stress
  • You may feel more competent and confident in your body, which intern promotes mental well-being when you exercise regularly

Use a Acupressure mat, it will help you relax, relief stress and tension.

5. Get Outside

Spending time outdoors, is linked to better well-being. Doing something active like walking or hiking even for a few minutes can improve the way you feel.

6. Get together with Friends

When you feeling overwhelmed, seek out the company of a friend or loved one. Have a friend that dealing with the same worries as you and talk about it. It helps when you share what you feeling with other people close to you.

7. Write it down

Writing thins down is one way to handle stress. Jotting what you grateful for or recording what you stressed about is one approach. Gratitude may help relieve stress and anxiety by focusing your thoughts on what is positive in your life.

8. Chewing Gum

Chewing gum during stressful times has been found to help alertness, reducing anxiety, stress and salivary cortisol levels. If you feeling stressed, a piece of gum can help soothe your nerves and give your mouth something to do.

9. Spend time with Family and Friends

Being social and spending time with friends helps coping with stress. People who spend time with family and friends find healthier ways to cope with stress. Having a strong social ties may help you get through stressful times and lower your risk of anxiety.

10. Laughter

When it comes to relieving stress, more giggles and guffaws are just what the doctor ordered. Whether you giggling from a sitcom on Tv, or giggling from jokes on social media, laughing does you good. Laughter is a great form of stress relief, and that’s no joke.

Good sense of humor can’t cure all ailments, but it can help you with stress. A good laughter has great short term effects. It doesn’t just light up your load mentally, it actually induces physical changes in your body.

Laughter is the best medicine for relieve of stress, go ahead and give it a try. Turn the corners of your mouth up into a smile and then give a laugh, even if it feels forced.

Short term benefits of Laughter

  • Stimulates your organs, it enhances your intake of oxygen
  • Actives and relieves your stress response
  • Soothe tension. It can stimulate circulation and aid muscle relaxation

Long term benefits of Laughter

  • Improves your immune system. Negative thoughts manifest into chemical reactions that can affect your body by bringing more stress.
  • Relieve pain. It may relieve pain by causing the body to produce its own painkillers.
  • Increase personal satisfaction. It helps you connect with other people and makes it easy to deal with difficult situations.
  • Improve your mood. It can help lessen your depression and anxiety and may make you feel happier.


Stress is part of our everyday life, sometime we get caught up in situations than cannot easily be resolved. The problem is always the situation behind it. And most of the time money is the main factor of stress in our lives, and the only solution is to do something about it.

Maybe you not sure what to do or where to start, it doesn’t really matter, just find something and do. It may start as nothing but along the way you may obtain skills that will open your eyes to possible solutions to your problems. Doing nothing because you don’t know where to start is the worst thing your can do for yourself. I can confidently tell you now if you don’t act and change the situation you in right now it will not go away until it’s resolved.

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