Financial Stress Taking a Toll?

Financial stress taking a toll?

As anyone who has ever been laid off or buried beneath a pile of bills knows, financial stress takes a toll. When you’re in the midst of trying to figure out where your next dollar is coming from, it can be hard to think of anything else.

The problems loom, your stress level skyrockets, and (ironically) you’re less able to step back and brainstorm for additional alternatives that might help more than making yourself sick with worry.

So what can you do if you find yourself in a stressful financial situation?

Get perspective

I’ve found it helpful to try to gain some perspective. Have others been through something similar? If they’ve made it out the other side and are doing fine now that some time has passed, chances are you will too. You may even come out better at the end of your financial trials (think Dave Ramsey who went bankrupt and is now extremely successful and well off.)

Talk to others

It’s also good to talk to others who might be able to help. There’s no shame in explaining that you’re going through some tough times. Most people go through a tough time or two during their lives, and they’ll be able to empathize and maybe even offer suggestions.

At the very least, you’ll probably feel better because you won’t be keeping it all inside. Reach out to social services as well if need be. That’s what they’re there for.

Be good to yourself

Don’t forget your physical health either. According to, stress is “a specific response by the body to a stimulus, as fear or pain, that disturbs or interferes with the normal physiological equilibrium of an organism.” It’s a real, physical thing.

Treat your body well and it will help. Try to get enough sleep, eat well, exercise, etc.

Remember to be good to yourself, and that this too shall pass.


  • psychological effects of financial stress can be high. It’s important to make sure you have a plan and make yourself aware that if you stay on that plan you will get through it.

  • I agree with being good to yourself first to avoid getting too much stressed. Financial stress will just make things worst if you let it rule over yourself and your relationship with others.

  • Another thing you can do if you are in this situation is just be active. Get out and exercise, get a job, do stuff to keep busy and work towards a better solution.