Stressing Over Your Budget? Here’s What Your Therapist Wants You To Do

Are your finances making you stressed and worried all the time? Well, you are not alone. A lot of people are in worse cases than yours. Some of them are even trying so hard to get rid of the impossibility of not having any. Others are also trying to make it through the day with just a small amount of cash in their hands. Either way, all people suffer the same struggle with financial matters. So with all the stress and anxiety that can build up over financial control, you might want to listen to what your BetterHelp therapist advises you to do.


According to the American Psychological Association, money is always the top stress producer among many other things in life. Yes, it is even more emotionally and mentally complicated than having a bad relationship. People will never get through with their life without thinking about money. However, there are specific ways that can help reduce money-related anxiety and stress.

Start Organizing Financially – “Of the patients that I would attribute their medical problems to stress, the overwhelming majority have money at the root,” says Dr. Arta Bakshandeh, senior medical officer with Alignment Healthcare in Los Angeles. “Most commonly, these patients complain of headaches, elevated blood pressure, ulcers, depression and moderate to severe anxiety.”

Organizing your money better is not just buying the stuff you need in bulk. You need to look at what you own and what you owe. You need to understand where you financially stand at the moment. Because when you assume that your money is capable of proving you a fixed help, you will end up using all of it. And in no time, you will get broke.

Track Your Income And Expenses – The misconception about handling financial is the idea that you can buy everything when you have enough cash. Sadly, that is not how financial strength goes. Because when you are spending more than what you are making, you only allow stress to crawl up. It will make you feel lost and unmotivated. If you don’t try and track your income and expenses, there is a tendency that you will gain more debt than savings.

Dr Annie Zhang, M.D. Ph.D., also highlights the importance of family on this matter. “It is good to know that the family and basic human relationships matter and play a significant role in the increasingly complex financial system. On the other hand, however, our reliance on family is problematic because of a real need for considered and educated responses to inform our decision making.”


Live With Your Means – Not because you are earning, it doesn’t mean you need to have everything. But not because you can’t have everything, doesn’t mean you don’t deserve to have something. The only way you can handle personal financial stress is by living with your means. Don’t buy things you don’t need, and don’t disregard the idea of practicality.

“The two things we need for financial health and security are: to save money for the future, and not to spend more than we make,” says Brad Klontz, PsyD, founder of the Financial Psychology Institute and an economics and finance professor at Creighton University in Omaha, Nebraska.

Have A Definite Goal – It is easier to reach a destination when you already planned it in your head. When you know what it is that you want, it will become better for financial adjustments and considerations. But take note, you need to be careful with the danger of mismanagement. Remember that bigger goals take huge responsibilities. Learn to maintain and work on things step by step.

Hold Onto Financial Literacy – Learn to value financial literacy and think of it as something worthy than any other knowledge. It will help you realize things you often don’t consider, such as savings, business, and investments. Learn and create a plan on how to make money work for you. Do not just think of it as something that helps you get through the day. But instead, use it as something that will give you a convenient and brighter future.

Use Technology – Innovation is growing rapidly, and there is no stopping it. Instead of trying to ignore it, use it to your financial advancement. Create something out of it and make the world see how valuable it is for growth and development. Expand your horizon and live with innovation. There are plenty of techniques to use it, such as online marketing, stocks, and currency exchanging, bonds and trading, and so on.


Try New Things – Understandably, your budget means a lot. But it should not limit you from trying new things. You need to understand that the only way to perfection is through practice. Allow yourself to make mistakes, try new budgeting methods, try to adjust on your needs, and create something out of the ordinary. You need to imagine outside the box if you want to reach financial stability.

Seek Out For Help – One thing you need to understand when trying to solve a problem is that not all the answer lies in your hands. Same goes out to financial inconsistencies. You can’t control and handle everything alone because there are things you don’t know. With that, it is favorable to seek out for help. Just remember to be critical in choosing the ones you want to trust with your financial statements. Only consult someone who knows the process better.

There are no definite tricks in getting a financially stable life, only self-awareness, and learning. So instead of complaining all about the anxiety and stress your money-related issue is giving you, start working your ways on it.

Leave a Reply

Your email address will not be published. Required fields are marked *