How to Handle Money Stress

The mental load of money stress is a LOT.

Worrying about the next bill, the growing credit card balance, the spending you can’t seem to get under control.

When you’re in this stress it feels like you’re drowning and there’s no way out.

The thing I’ve found that helps the most it to take action.

One small action.
One big action.

Whatever you can do, do it.

Make moves.

Here are some of my favorite ways to work on the money stress:

• Check bank accounts. Being aware is the first step. It’s hard but we have to face it in order to fix it.
• Look at all recurring or pre-authorized payments. Can you stop any of these payments permanently or temporarily?
• Create a “lights on” list. I heard somewhere that you should create a list of bills that keep the lights on, food in belly, home paid for, etc. What are the bare bottom essentials you need to make these payments. This can feel MUCH more possible than the full life list you might be dealing with.
• Reduce interest. Calling my bank allowed me to find out I could move my credit card from a 20+% interest to a card with 13%. Simply by switching the cards with one phone call. Money saved.
• Talk to someone. Having a friend you can confide in can be a huge help when you’re stressing big time.

Ok so after you’ve taken some practical action it’s important to help your nervous system calm down as well.

You’ve been in fight, flight or freeze for far too long.

Do things that calm you, whatever they are. You might try:

• Sitting in a dark room with a blanket over you and just keeping quiet. This can signal to your body you are safe. It removes overstimulation and even if you can’t sleep you can rest.
• Breathing. Don’t forget to breathe. It matters more than you might realize.
• Water and nutrition. Make sure you are taking care of your body. It helps your mind and emotions as well.
• Reduce other stresses. Don’t add anything stressful to your life at this time. You have enough going on.

Ultimately if you keep looking you will start to find things that help you manage your stress. Keep looking! You got this.

Signed,
A Debt Blogger