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How to Survive Financial Stress and Keep Your Mental Health in Check

If you have gotten yourself into debt, dealing with the financial stress can take its toll on your physical and mental wellbeing. You may be thinking, feeling, or behaving in ways that are unfamiliar, so if you’re not in the right headspace and don’t know how to get yourself out of the situation, here are a few tips on how to survive financial stress and keep your mental health in check.

Stay Active

If you have money worries, it can be all too easy to shut yourself away from the world and stay indoors. While you may think this will help in the short-term, isolating yourself can take its toll on your health and wellbeing. It’s important that you stay active and make regular exercise a key part of your day to day routine. Whether it’s by catching up with friends, going for a jog around your neighbourhood, or even trying at home techniques, exercise can improve your mood if you’re feeling down. When performing high intensity workouts, your brain releases endorphins which can help boost your spirits and clear your mindset.

Face Your Fears

Although it can be hard, facing your fears and getting advice on how to sort out your debts is the best step to take. When feeling anxious, you may want to bury your head in the sand and not talk to anyone, however, it is true that a problem shared is a problem halved. So, whether it’s by reaching out to your loved ones, or speaking to a debt advisor, getting help and support with your debts can put your mind at ease and help get you back on track with your finances.

Avoid Alcohol

For some people who are experiencing financial stress, alcohol can seem like a good way to block out their problems. If you find that you’re drinking more than usual, cutting back or giving up alcohol completely should be your number one concern. In the long run, alcohol won’t help you deal with your problems, and can add extra stress and anxiety to the situation you are in. If you need help with your drinking, there are numerous hotlines and support groups that you can join who provide advice and support.

Don’t Lose Your Daily Routine

Having debt constantly on your mind can have a negative impact on your day to day routine. If you have a full-time job, or you’re looking after your kids, being in the right frame of mind is crucial. Losing your routine can have a major effect on your mental health and wellbeing, so if you’re having difficulty keeping on top of things, there are lots of tactics that you can implement to add structure to your day. Having some kind of physical reminder to start your day off and rewarding yourself for sticking to a routine can be a big help and keep you on the straight and narrow.

Get Enough Sleep

Understandably, money worries can hinder how much sleep you get per night. If you find yourself tossing and turning, and worrying about any eventuality, there are numerous tips that you can take on board to ensure you get plenty of rest. These include creating a sleeping schedule, not using your smartphone or tablet in bed, creating a relaxing bedroom environment, as well as practicing relaxation techniques. When in debt, it can feel as though you’re in a black hole with no way out, however, getting support and advice can put your mind at ease and aid sleep for when you need it most.

Create a Budget

You may feel overwhelmed when dealing with financial stress and believe that a budget will only add extra pressure, however, it’s best to get back in control of your finances and try to stop worrying about money. Having a budget in place gives you the opportunity to decide when and how you’re going to spend your hard-earned cash. To do this effectively, you will need to track your income and bank statements. Having an idea of what your income and outgoings are will mean you can put money aside to cover all expenses. The first couple of months of planning and sticking to your budget will be challenging, but once you learn what you can do to reduce your spending, you will be able to free up some cash that can provide security.

Plan for Emergencies

An emergency fund is used to cover financial emergencies and unexpected expenses. Whether it’s to fix a problem in your house, or your car has broken down, being prepared for any situation is important. If you’re worried about covering the cost, consider visiting websites like to see if you are eligible for a loan. Knowing that you have money aside to foot the bill can reduce stress levels and keep your mental health in check.

Track Your Progress

While it may not sound like an overall solution to your financial problems, tracking your progress can make a huge difference in how much stress you feel each day. Finding positive aspects of your financial situation can keep you motivated in achieving your financial goals. All in all, you need to remember that you do have the power to change your financial situation, so having the right tools in place will eliminate anxiety and stress.

Take a Break

Thinking and worrying about your money issues around the clock is not going to do you any favours in the long run. Instead of working yourself up into a frenzy, taking your mind off things will help keep your mind healthy and your body in good shape. Whether it’s by catching up with a friend, taking up a new hobby, or even going for a walk, you are better armed and focused to solve your situation when you’re in the best frame of mind.

Financial stress can have a major impact on your health and wellbeing. If you have gotten into debt and aren’t sure how to resolve it, talking to your friends and family, as well as seeking out professional guidance and support can help you feel more relaxed and in control of your finances.

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