How to Cope With and Overcome Financial Stress

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We are living in a time where we are bombarded with all sorts of stress. We are anxious about our health, our finances, and our jobs or businesses. Having life insurance or insurance on anything else will help, but not all of us have this option. If you are thinking about getting insurance you can read more on to see what options are available to you. These stresses are often interconnected with the stress of money problems or worries about losing our job causing us sleepless nights, making poor eating or drinking decisions, and affecting our overall health.

To stop this cycle from spiraling out of control, we need to look at our current situation and how we can protect ourselves and our families against future financial hardships. In addition, we need to explore coping mechanisms that can help us deal with stress and anxiety. Often sharing our problems with close friends or family members can remove some of the burdens. Unfortunately, not all of us have people around us who we can talk to, so we hope the tips we share in this article will help you cope and overcome your financial stresses.

Set a budget and stick to it

This is probably the most important tip to surviving and overcoming financial stress. Creating a budget and sticking to it is the best way to get your finances back on track. Even if your budget is small, if you can limit your spending and start saving, you will feel less stressed about money.

To create a budget you need to first calculate your monthly income. This will show you how much you have coming in every month. Then you need to calculate your monthly expenses, which will show you how much you need to spend every month. The difference between your income and your expenses is the amount of money you have leftover, which you will use to save.

To create a budget, first list all your income, then list your regular expenses (e.g. car payment, mortgage/rent, utility bills, debt payments such as credit cards, loan payments), and then list your irregular expenses (e.g. going out to eat with friends, movies, hobbies, gifts, gas, etc.). Allocate a certain amount of money for each expense. If you are able to save any money at the end of the month, put it towards your irregular expenses first (e.g. debt payments), and then your savings.

If you find that you are struggling to meet your monthly expenses, no matter how much money you are making, you may have to make a drastic change. For example, if you are spending more than you are making, you may need to sell some of your possessions that are not essential to your well-being (e.g. TVs and luxury items). In addition, you might need to find less expensive housing or move in with family or friends.

If you are extremely stressed about finances, consider seeking the advice of a financial expert who can give you insight into your financial situation and help create a plan that will get your finances back on track.

Maintain good eating habits

When we are stressed we often turn to unhealthy habits such as overeating or drinking alcohol. These bad habits can cause more stress as they drain our bank accounts and can negatively affect our health. To avoid these kinds of habits, it is important to maintain good eating habits.

When we think of good eating habits we do not mean that we need to make drastic changes to our diet. It is easy to get carried away with dieting or trying new fad diets, but these changes can cause us to feel constrained and more stressed than before. We recommend making small changes that you can easily maintain and will help you move towards healthier living.

To maintain good eating habits try the following:

Eat three balanced meals a day with only healthy snacks between meals.
Avoid drinking alcohol or eating fatty and sugary foods before going to bed as they can interfere with quality sleep. If possible, try to limit your sugar intake as consuming too much sugar can negatively affect your insulin levels, which causes weight gain.
Eat smaller meals at home and larger meals when out on social occasions or at restaurants; this will control your eating habits much more effectively than restricting yourself at home but eating whatever you want when out.
To avoid feeling like you are on a diet, consider getting rid of your scale as it can be demotivating if perceived as a measurement of failure. Instead, focus on body composition and how you feel as these are far more important than the number on the scale.
Drink plenty of water throughout the day. Try to drink water instead of consuming drinks with added sugars (e.g. soda).
Eat more fruits and vegetables and avoid consuming excess calories in liquid form (e.g. smoothies).
Avoid eating in front of the television or computer as this can increase mindless eating—instead do something healthy or fun instead (e.g. take a walk or read a book).

The benefits of good eating habits include:

Decreased likelihood of stress-related illnesses – Think about how good it feels after a good workout, it is easy to associate this feeling with eating healthy as well. When we eat right we feel good in spirit and body and are less likely to be stressed out. Decreased effects of ageing As we age it is harder for our bodies to deal with stress. Good eating habits will help us feel better at an earlier age and help us look and feel younger for longer.

Increased ability for exercise – While our bodies were not meant to run marathons or do high-level workouts, by taking good care of our bodies through proper dieting we will be able to perform better when we do exercise or work out. In turn, this will decrease the amount of stress that exercise causes on our bodies because we won’t be as sore or tired after working out.

Increased self-confidence – Our self-confidence comes from what we do for ourselves and how we treat our bodies. When we eat healthily and exercise regularly we feel better about taking care of ourselves and therefore we are better at looking after our responsibilities in life which will cause us less stress in the long run.

While it may seem like it will be hard to change your eating habits, if you make small improvements over time they will become easier and easier until it becomes natural and before you know it you will be making healthier choices without even thinking about it! Think about how much better you will feel when you take care of yourself before anything else!

Exercise regularly

Regular exercise is one of the best ways to relieve stress in the long term. Exercise increases physical and mental flexibility, making us more capable of dealing with stressors in our day-to-day lives. In addition, exercise also increases self-confidence as we start looking better and feeling better about ourselves.

When it comes to exercise there is no one right way so you should find ways that get you active and try new exercises or activities until you find what works for you! If you have worked out before I’m sure you know how tough it is to stay motivated, but there are ways to stay motivated as well. Here are some suggestions for getting started:

Go for walks outside or go for bike rides or runs if possible; any physical activity is good, especially if it involves moving your body more instead of sitting still! Join an athletic league or get involved with sports that you enjoy; this will not only get you active but it can also be a fun social outlet and help relieve stress by interacting with other people! Go swimming or take classes at a local gym; swimming is an excellent way to relieve stress without breaking a sweat! Take dance classes; this is one of the best ways to relieve stress as long as dancing doesn’t stress you out! Play music; playing music is a great way to get active through exercising that also allows us to express ourselves freely through expression!

Remember, if you have never exercised before then start small; just enough exercise to break a sweat is all that is required at the beginning—once you build up a bit of practice and experience, then increase exercise levels! It is also important to remember that there is no one right way to exercise; figure out what works for you!


It’s hard to add new things to your lifestyle that you don’t usually do. Sometimes it might feel like you want to give up but trust me, if you stick it out, you will see the results you want! If you stick to a budget you will eventually see the money you save. If you start to make healthier choices about what you put into your body you start to feel the difference. If you start exercising regularly you will eventually begin to feel stronger and more confident. When you put these things all together, everything else in your life will begin to fall into place. Not by sheer coincidence but because you will have the mental, physical, and financial capability to accomplish all the things you need to. Financial stress is just the tip of the iceberg when it comes to all the stress most people deal with on a daily basis, hopefully, after reading this article you can handle stress in your life a little better.


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Jennifer Evans
President, @B2BNewsnetwork (launched Nov 2014). Content, community and analytics obsessed. Inventor @squeezecmm. Past chair, @itac_online @whiteribbon