Financial Stress Management Strategies

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Are you having financial pressures such as car payments, credit card bills, rents, or other financial issues that make you feel stressful? Stress over financial issues can have a negative impact on your health. There are various health problems that can occur if you are stressed out because of financial problems. Some of these include insomnia, migraine, high risk of hypertension, decreased immune system, and slower learning and thinking ability.

Find out how to fix this with financial stress management strategies explained in the review below.


Financial Stress Management Strategies – Tips To Reclaim Your Finances

Financial stress management strategies

What is financial stress?

Financial stress definition

Financial stress generally occurs due to financial inadequacy to meet your needs and/or all family members. It happens because of financial mismanagement.

There is a saying that says money cannot buy everything, but everything in the world needs money, right? You are fine if you are someone who can manage you finances well. However, if you are not good at managing your income and expenses, it can cause financial stress.

The issue of dismissal, debt or even being unable to pay bills can be problems that can lead to depression. So, it’s a good idea to address this problem and reclaim your finances by doing fiancial stress management.


Also read: Stress Management


What is financial stress management strategies?

Financial Stress Management Strategies: Tips To Reclaim Your Finances

Financial management is the way to manage and analyze financial resources in homes, organizations or companies relating to how to obtain funds, manage funds and allocate funds in order to be able to achieve financial goals that have been set.

So, in short, financial stress management strategies are the strategies in handling stress that is caused by poor financial management.


Financial stress and mental health

In life, stress is often difficult to avoid. You need to constantly deal with stress in a positive way.

Many things can cause stress, such as work problems, financial hardship, health issues or even the death of someone close to you.

Basically, stress can be caused by the brain signaling to the body to release hormones, after a situation. The goal is for the body to have enough energy to act or to deal with it.

When the body has the energy to deal with a question, it is actually a great way to improve one’s ability.

But in recent times, the stress of life has come in many respects, which have a profound effect on one’s psychological state.

Continuous stress can occur and make the body tired. As a result, one may find it difficult to think clearly, difficult to deal with social interaction and poor quality of life and health.

Therefore, knowing how to deal with stress is important, so the body always responds well to many situations.

As you know, someone in a state of stress can certainly not solve their financial problems. If your financial problems are not resolved, then the stress will increase.

Which one should we do first, avoid stress or solve the financial problem?

I recommend that you reduce your stress so that you can think of a solution to your financial problems, especially cash-flow and debt.


Also read: What is the best way to get rid of ongoing stress?


How to deal with stress caused by financial problems

1. Doing Hobbies

Financial Stress Management Strategies: 1. Doing hobbies
Doing a hobby is an activity that can calm one’s mind. The goal is to have fun so that it can be the entertainment for your mind and soul.

In fact, doing a hobby can make you feel refreshed after engaging in tedious activities.


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2. Finding someone to talk to

Financial Stress Management Strategy 2. Finding someone to talk to

Communicating and sharing your story and problems with someone your trust is a great way to reduce and relieve stress.

Also, telling a close friend or family member allows you to come up with a solution to the problem.

In fact, research shows that people who are “blind” are more vulnerable to stress than those who open themselves up and often communicate their concerns with others.


3. Practicing meditation

Financial Stress Management Strategy 3. Practicing Meditation
Meditation is a stress reliever because it can clear the mind and even make one concentrate.

This can be because meditation can make breathing easier, heart rate and blood pressure normal, lowering the stress hormone levels previously pumped by the adrenal glands.

In addition, meditation is powerful to aid in the healing process while you are in pain.


4. Bathing or soaking

Financial Stress Management Strategy 4. Bathing or soaking in a tub
Taking a bath or soaking in the warm water will help relieve stress.

Stimulated by the comfortable atmosphere, you’ll be able to experience peace and comfort. Just like when we were in our mom’s womb. ๐Ÿ™‚

In order to have a better effect, you can light up candles with aromatherapy.


5. Getting a massage

Financial Stress Management Strategy 5. Getting a Massage
It’s a great way to relax and normalize blood pressure. In addition, you’ll have a better quality sleep and eventually your level of stress is reduced.

According to some studies, massages can relieve stress. Almost all types of massage can provide help to reduce stress, from Thailand’s massage, Ayurvedic, Acupressure, to Aromatherapy massage.

In fact, research has found that stress hormones can be reduced by up to 53% after testing with studies of 500 men, women, and children suffering from stress.


6. Screaming

Financial Stress Management Strategies 6. Screaming
Shouting out loudย or screaming is a great way to deal with stress. When you are under stress, you must feel a burden in your heart.

Therefore, let go of that burden by screaming or shouting. Do this in a wide open, secluded space such as the beach or forest so you will not disturb other people.

You can do as many times as you like until you feel more relaxed. Remember, don’t overdo it though. You don’t want to lose your voice the next day. ๐Ÿ˜‰

I personally do this once in a while and I find it helpful to release negative energy and thoughts.


7. Exercising

Financial Stress Management Strategy 7. Exercising
Exercise can release your body from the stress hormone and at the same time increase your endorphin levels, which are responsible for happiness.

Insert time to exercise in your busy life to maintain good health and as a way to deal with stress.

In fact, the Mental Health Foundation, a non-profit health organization in the UK, has proven that exercise is a great way to treat depression.

Some of the most effective exercises for relieving stress include:

Swimming and biking are also known to reduce stress. The benefits of swimming and biking do not put too much pressure on the joints, so they are ideal for people with joint problems or those who want to avoid them.

Walking for 20-30 minutes every day is good enough. Walking is not only good for stress relief, in fact, adults over 40 who walk at least 150 minutes a week have an increase in life expectancy of 3.4 to 4.5 years.


8. Listening to music

Financial Stress Management Strategy 8. Listening to music

A 2008 study by the University of Maryland School of Medicine revealed that: listening to your favorite music for 30 minutes can release endorphins to reduce stress and relieve pain.

This is also improving, as the body is in tune with the sound of the music being heard. As a result, relaxation increases, muscles do not tense, heart rate slows, and energy increases according to the rhythm.


Also read: Benefits of MUSIC THERAPY for STRESS


9. Thinking positively

Financial Stress Management Strategy 9. Thinking positively

Thinking positively helps you to accept the burden by seeing the bright side of the burden itself. It’s like finding the lessons learned from your hardship.

That way, you would also be convinced that you are being trained to be stronger, smarter and wiser. ๐Ÿ˜‰


10. Going on a recreation

Financial Stress Management Strategy 10. Going on a recreation

Recreation is a great way to avoid a negative environment. It is also an effective activity to relieve stress. This will be even more fun if you could go with your family or friends. Hey, there is nothing wrong with giving yourself some slacks. ๐Ÿ˜‰


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11. Laughing

Financial Stress Management Strategy 11. Laughing

Laughter turns out to have a great effect in relieving stress.

According to some studies, laughing for 5 to 10 minutes can stimulate endorphins and serotonin hormones to be released. These three substances provide good benefits to the brain so that you become calmer.

In fact, laughing can cure someone who is suffering from severe psychological stress.

In addition to relieving stress, laughter can also improve the immune system in the body, reduce high blood pressure and can prevent heart disease.


12. Eating healthy foods

Financial Stress Management Strategy 12. Eating healthy foods

One of the most effective ways to relieve stress is to eating healthy foods. In addition, eating foods containing antioxidants can enhance your memory function.

Here are some healthy foods and drinks that can relieve stress:

  • Foods that contain vitamin B: avocado, banana fruit, salmon, tuna, sardine, yogurt and milk.
  • Foods containing folic acid: oatmeal, lime and asparagus.
  • Foods that are rich with magnesium: almonds, tofu and spinach
  • Foods that contain vitamin C: citrus, kiwi, strawberry or cashew.
  • Drink mineral water for at least 2 liters a day
  • Drink herbal tea

Also read:ย BEST FOODS TO FIGHT DEPRESSION โ€“ 12 Must Have Ones


13. Don’t panic

Financial Stress Management Strategy 13. Don't panic

When you are under stress because of financial problems, it’s best to stay focused and calm in accepting the facts. Control yourself from being influenced by other things that can lead to higher levels of anxiety.

Also avoid over-reacting like crying or complaining to others over and over again (since most of them don’t produce results). It’s best to stay calm and focus on finding a way out.


14. Don’t put stress into something worse

Financial Stress Management Strategy 14. Don't put stress into something worse

There are some unhealthy behaviors one’s would do triggered by stress, such as smoking, drinking, gambling, or even stealing money from your family or friends.

Beware of the urge to do so. If you feel the stress is getting worse, try asking for help from a psychologist or psychiatrist before itย turns to depression.




15. Trust that everything will be fine

Financial Stress Management Strategy 15. Trust that everything will be fine

Finally, when you are depressed, you have to really believe that everything will be okay. Trust in your heart that you can get throug this and that all will change for the better. Most people who apply law of attraction and doย cognitive behavioral therapy can go through their hardships.

Troubleshooting financial issues

financial Stress Management Strategies: Troubleshooting financial issues

So when stress is reduced, it’s time for you to improve your financial health.

Here are some ways to help you solve your financial problems:

1. Create budgets and financial records

A financial budget can be defined as a person’s financial plan for a given period. Usually budgets are made on a monthly basis. The ideal budget is set at the beginning of the month.

Creating a financial budget is very important for you to manage your daily expenses, manage your money and keep your finances in check. You need to know where the money is spent and set aside some to pay your monthly bills.

To help you create your budget, try to find finance apps that can help you create your budget and control it.

Once you’ve set a budget, it’s important to keep a record of your income and expenses.

Knowing each incoming and outgoing fund and its purpose will let you know how much property you have. It also helpful when you make a wise decision before you spend your money for shopping etc.

Sometimes, without good budgeting, you can spend your money on things you don’t need (not within your budget).

By making a note of your spending, you can analyze your spending habits and determine which spending points can still be improved.


2. Try another financial plan – create a new financial plan that speeds up you financial goals

You need to find out the root cause of this financial crisis. The only way you can do that is to write down specific things that can reduce your financial costs. Then, you should commit to the cost reduction plan while reviewing it regularly. While it can be a bit stressful for a while, this method will eventually be helpful because you will see all the notes and plans on a piece of paper or a notebook clearly.

Once you have a financial goal, you need to prioritize each of your personal financial goals in order of importance. Then decide how long you need to save for each one.

For example, retirement can be placed last but vacation can be a short-term goal after working for a year or two. Vacation is considered a self-care plan which also help in reducing your stress level.

Next, estimate how much interest or capital gain you would expect in an account where you keep your money. You need to know how much you need to save per month in order to achieve your financial goals.


3. Take care of you debts

Debt ownership is a financial issue. This is an important issue that you need to deal with as soon as possible.

  • You need to create a debt list. You can use an excel spreadsheet or find an app to create your debt list.
  • Stop adding new debt or applying for new credit cards. You can also try debt consolidation, which means you will take out a new debt to pay off old debt by applying for a consumer loan. The goal of debt consolidation is to reduce interest rates and monthly installments.
  • Earn more. You can try opening an online store or even trying a freelance job such as teach English online or be a virtual assistant. There are so many options out there where you can actually make money online without having to sell your own products, you just have to find it and go for it. You never know until you have tried. ๐Ÿ™‚
  • Pay off one debt at a time and continue paying off another. Once you finish you can learn to improve your assets.

4. Try to turn difficult times into another opportunity

In these difficult times, it’s a good idea to take in the positive wisdom. You can think of finding other alternatives to fix your finance while motivating yourself to get out of this crisis.

Also consider learning new skills by taking courses or side jobs. The key is to get yourself through this difficult time thinking more creatively and finding new ways to manage you financially. Focus yourself to find solutions rather than dwell in your problems. I love taking courses on FutureLearn, Coursera, Udemy, and EdX. If you haven’t already, check them out.


5. Ask for professional support

In addition to the above tips, this financial issue can be resolved if you ask the right people for help. Try to consult a financial advisor and financial planner to help you manage your finances. If you continue to suffer from stress, you may want to talk to a psychologist or therapist.



The financial stress management strategies listed above are some recommended ways that you can do in order to address stress caused by financial issues. However, once again I’d like to remind you that you have to believe in yourself and everything will be okay. You are not alone in this. Help is out there. This too shall pass, my friend!

If the stress you are experiencing is heavy and interferes with your daily activities, please consult a psychologist or psychiatrist so you can get proper treatments.

Please let me know if you found this post helpful to you in the comment section down below. I would also appreciate it if you could share your own ninja tips so it will be helpful to others too. ๐Ÿ™‚

Stay safe, happy, and healthy!

Ferra ๐Ÿ™‚




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We Stress Free does not provide medical advice, diagnosis, or treatment. However, if you need someone to talk to and want to make friends, please feel free to reach me at If you would like to REDUCE your STRESS and are interested to do an ONLINE THERAPY, you can do so here.

Online therapy to help with stress, anxiety or depression


Disclaimer: The information contained in this website is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


Thankย youย for reading today’s topic: Financial Stress Management Strategies!

8 thoughts on “Financial Stress Management Strategies

  1. Hello Ferra,

    Thank you for your very well thought out post on stress management.

    Is there a style of Yoga that you would recommend for stress relief? I have heard that Hatha Yoga is a good choice because it focuses on relaxed breathing.

    Please if you could advise me on this, I would really appreciate it.


    1. Hi Michael,

      Thank you for our kind and thoughtful comment.

      I personally like Hatha because it is great to start, then I also like Kundalini because it helps me spiritually.

      Glad to know you found this post useful and helpful to you.

      Stay safe, happy and healthy!


  2. Whenever I have financial stress, it is usually because in my case, I didn’t manage my money very well.

    What I personally like to do is to look over my purchases and see where I can improve.

    Yet going and doing other things like getting a massage or just screaming are great methods that I didn’t think of before. I’ll be sure to refer to this article later in time and read over it again.

    Thank you for sharing!

    1. Hi Joseph,

      I love your idea. I think it is important to review our expenses, see where we spend more money in and find ways to reduce it in the coming months.

      Yup, trust me. Getting a massage is definitely helpful not only for your stress but also to relax your tense muscles.
      Screaming is effective for me, but again, it has to be somewhere quite far from other people so we won’t annoy or scare them with our screams.

      Thank you for your kind comment.

      Stay safe, happy and healthy!


  3. Excellent research and information. I am in my late 60’s and have been self employed all my life. The information you have provided is a wonderful set of sensible rules that would of reduced my stress levels. When we are under stress you forget your common sense to look for well established relief rather than”charging through it” I think the important thing that I got out of it is to remember that there are good releases/answers when you need them. Don’t be a hero.

    1. Hi Stephen,

      Thank you for your kind and thoughtful comment.

      I really appreciate it that you share your experience with us. ๐Ÿ™‚

      Stay safe, happy and healthy!


  4. There are various types of stress truly and one I really don’t like experiencing is financial stress as it weighed me down an and I don’t like it at all. Dealing with it can be difficult some times and I guess that is because I don’t have a strategy to go about it. Seeing it here makes me really happy indeed. Cheers 

    1. Hi Justin,

      Thank you for stopping by my website, reading the post, and leaving a kind comment.

      I appreciate you for sharing your thoughts and support.

      Glad to hear that you found this post useful.

      Stay safe, happy, and healthy!


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