Anxiety about financial problems: how to manage it

Lack of money or indebtedness can lead to a continuous feeling of stress and anguish due to the need to make it to the end of the month and, consequently, generate anxiety about financial problems.

Along with depression, anxiety is today one of the main mental health problems that affect a large part of the population. This can be the reason for many different causes, one of them may be financial problems.

What is anxiety?

To explain how to manage anxiety due to financial problems, I will begin by explaining what this psychological disorder consists of.

Anxiety is a defense mechanism that activates our body at the time when there is a threat or danger. It is completely normal that when certain situations arise, they make us feel anxious, such as an exam or work stress.

But when the response to that danger or threat is prolonged in time, it is disproportionate and affects the individual's day-to-day life, it is when he is probably suffering from the so-called anxiety disorder.

Anxiety about financial problems

As I have already mentioned before, anxiety can appear for several different causes or reasons, there is no obvious origin, but the truth is that one of those reasons can be financial problems.

Anxiety can flare up when a person is going through a bad financial situation. The fact of being in debt and not being able to cover your own basic needs or that of your family, can generate discomfort, worry or nervousness, among others, regardless of the economic status to which you belong.

The anguish to solve the situation, seek solutions to deposit money or resolve the debt situation can cause the individual to end up having repetitive and obsessive thoughts that generate anxiety about financial problems.

This situation can affect the well-being of the person who suffers it and, consequently, their productivity.

There are several techniques that I will explain below that can help you manage anxiety due to financial problems and thus be able to deal with this situation.

How to identify that it is anxiety due to financial problems?

These are some keys that can help you identify if it is anxiety due to financial problems or, on the contrary, you are worried about a bad situation:

  • Insomnia or lack of sleep
  • Demotivation
  • Ruminate thoughts
  • Nervousness
  • Mental confusion
  • Low or irritable mood
  • Loss of interest or reluctance to carry out any activity
  • Panic or fear
  • Concentration problems
  • Gastrointestinal disorders
  • Avoid situations that can generate bad being in the person

These are some of the symptoms that you may experience when suffering from anxiety due to financial problems, if you identify one or more of them, you may be suffering from a psychological disorder.

How to manage anxiety about financial problems?

Here are some breaks to learn how to manage financial anxiety:

Get organized

The first step to avoid being in a bad financial situation and avoid anxiety is to organize and plan the expenses that you will have, since in many cases, financial problems result from impulsive purchases.

Keeping an order of your income and expenses, checking your bank accounts or having a savings plan are some of the many ways that exist for you to organize your financial affairs.


Although it seems like a no-brainer, reducing your expenses can prevent you from suffering from financial anxiety. Today we live in a consumer society in which we constantly need to spend on products or services to feel good and fulfilled.

One way to simplify expenses is to write down everything you need in your day to day to cover basic needs, therefore, what is not on that list will be considered as a whim, which you can treat yourself from time to time.

Look for opportunities

Focusing on joblessness or debt is not going to help ease financial anxiety. In these cases, the best option is to look for alternatives to help you solve the situation.

Try to focus on the solutions and not the problems, in this way, you will avoid the feeling of anguish and worry and, in addition, it will be easier to overcome any difficulties.

Staying positive can help you deal with tough situations.


Talking to people you trust about your financial problems and the anxiety that follows can help reduce feelings of anxiety and nervousness.

Not only will you vent, but you will also have the opinion of a third person, and that this can also help you see the problem from another perspective.

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