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How to Stop Money Stress and Live a Happier Life

How to stop money stress?

It is not hard to imagine that money stress can significantly impact your life and how you feel. It can make you less happy and even affect your mental health.

The excellent news is that there are ways to manage money stress, so it doesn’t control you.

We all want to live a happier life, but when it comes to money, sometimes we feel like we’re just juggling too many balls at once.

What is the solution?

This article is the first step to money stress elimination.

It is time to learn how to stop money stress and get your finances in order.

This article discusses ways to save yourself from the calamities of money stress for good.


A woman comforting a collegue suffering from financial stress - How to Stop Money Stress and Live a Happier Life
A woman comforting a collegue suffering from financial stress

How to stop money stress in a nutshell:

1. Think about what’s essential in your life

2. Get organized with your finances

3. Make financial decisions that work for you

4. Know what you want out of life

5. Create a realistic budget

6. Be on the same page with your partner if married

7. Get a financial role model

8. Value coins to save your notes

9. You are not your friends; stop comparing yourself to others

10. Know your “why”

11. Financial health is critical; pursue it relentlessly

12. Create and manage several income streams

13. Enjoy your money intelligently

14. Give some money to a worthy community project

15. Create an emergency fund

What is Money Stress?

Money stress is the mental and emotional strain from worrying about money.

Many different things cause it, including lack of income, financial difficulties, debt, and the inability to afford necessities.

Money stress is a severe problem that affects millions of people each year. It can lead to depression and other mental health problems.

Financial stress is an issue that many people face in today’s society.

It comes from various sources, such as lack of savings, unemployment, and too much debt.

Lack of protection can come from trying to live above your means or not being able to invest anything into your future.

Unemployment can cause financial stress because you have no income, and there may be a lapse in your housing or utilities.

Take away point:

Money stress is the constant worry about being unable to pay your bills or meet your financial obligations.

What Causes Money Stress?

The causes of money stress are typically related to finances and financial planning. Financial concerns can lead to worry and anxiety, leading to negative feelings about oneself or one’s life.

There are many potential causes of money stress.

 These include:

  • Being unemployed or underemployed

Unemployment is one of the leading causes of money stress because it leads to loss of income.

The unemployment rate has been steadily increasing for the past decade and will not stop anytime soon.

We all know the economy is not doing well, and it’s been like this for a while.

However, with the increase in unemployment rates, people are struggling to make ends meet. And with the uncertainty of a job, many people feel the pressure of their finances.

  • Having too much debt

There is no set definition for what is too much debt. It all depends on what you owe and your income.

However, it may not be the best idea if you have taken out loans to buy things that are not worth the money or to pay off other debts.

Too much debt can lead to bankruptcy and loss of assets.

It can also lead to high-interest rates on credit cards and loans.

Debt can cause stress and anxiety, leading to a lack of sleep, increased blood pressure, and heart problems.

In the worst cases, too much debt can lead to death.

  • Lack of motivation to work hard

It’s not uncommon for people to experience money stress, which various factors can cause.

However, one of the most common causes is a lack of motivation to work hard.

Some people also don’t want to work hard because they feel there is no point in doing so.

They think their job will not give them a sense of accomplishment and that it is not worth their time.

In addition, it can lead to stress and anxiety, making them even less motivated to work hard at their job.

  • Lack of self-control when spending

Inability to control spending could lead to financial stress.

It can be due to a variety of reasons.

For example, overspending could be because you are unaware of your spending or overspending on things you don’t need.

No matter what the cause is, money stress can lead to other problems such as depression and anxiety.

  • Inability to save up for emergencies or retirement

The inability to save up for emergencies or retirement is a cause of money stress.

Finding the motivation to save is difficult when the income is insufficient to cover all the expenses.

Financial stress results because you have no protection when emergencies catch up.

  • Having a medical emergency or unexpected expenses

The lack of an emergency fund is a source of financial stress because you don’t have a backup for unexpected situations.

You constantly worry because you lack preparation for a medical emergency or any other unexpected expense.

Many other different factors can contribute to money stress.

 These include:

  • Lack of money
  • Difficulties in managing finances
  • Financial difficulties due to family issues
  • A lack of financial literacy

What is the cost of money stress?

The prices of money stress are high, and the impact can last for years.

Money stress is a huge problem that impacts many people in different ways.

It’s not just about the lack of money but also about how we think about it and what it means.

Money is a sensitive topic for many people, as they feel like they’re not good enough or don’t have enough to get by.

However, it can be hard to admit that you need help, so it’s essential to know where to turn when you experience money problems.

What are the consequences of having money stress?

Money stress is a type of anxiety that comes from not having enough money.

For example, the inability to pay the bills, buy food, or put gas in the car could lead to money stress.

The consequences of having money stress are often physical and emotional.

They include:

  • Stress
  • Anxiety
  • Depression
  • Relationship problems
  • Lack of sleep
  • Low self-esteem

How to Stop Money Stress

How can I reduce my money stress levels?

There are many ways in which you can reduce your money stress levels.

You can start by setting a budget and sticking to it.

You should also ensure that you have an emergency fund that will last for at least three months, so you don’t have to worry about paying for necessities.

You should also start saving up for future expenses that might come up, such as a car or house.

You can do this by putting aside some of your monthly income and investing it wisely.

One of the most important things to do is ensure you don’t spend more than you earn.

It will help ensure that your money lasts longer and reduces the amount of money stress you feel in the long run.

What are the best ways to deal with financial stress?

There are a lot of ways to deal with money stress. One of the most popular ways is to take care of your financial situation.

You can do this by cutting down on unnecessary expenses, like going out for drinks or buying clothes that you don’t need.

It would be best if you also tried to save some money for the future to have something in case of an emergency.

Another way to deal with money stress is to find a hobby that doesn’t cost anything and can help you relax.

For example, if you enjoy cooking, you could cook more often and use recipes from books or online videos.

15 How to Stop Money Stress ways

Money stress can be a real problem for many people. And it can lead to some severe anxiety.

But the good news is that there are some things you can do to manage your money and stop the stress.

1. Think about what’s essential in your life

The first thing you should do is to think about what’s essential in your life. Next, you need to know your priorities and ensure you spend on those things.

For example, if eating healthy food is vital, you should spend more on groceries than eating out at restaurants.

The second thing to do is track your spending and set a budget for yourself. Again, you might want to use a spreadsheet or an app like Mint or YNAB (You Need A Budget).

2. Get organized with your finances

It can be hard to get a handle on your finances. So the first step is to figure out where you are spending money and why.

You can start by tracking your spending for a week or two.

There are many different ways that you can get organized with your finances. One way is to keep track of your spending in an app like Mint or with a spreadsheet on Google Sheets.

Another way is to sign up for an account with Personal Capital to help you create a budget. It will ensure that all of your accounts are linked together.

So that it’s easy to see how much money is coming in and going out each month.

3. Make financial decisions that work for you

It is essential to make financial decisions that work for you. You can achieve this by ensuring your money is put in the right places.

For example, if you are not a risk-taker and want to save more, putting your money in a savings account might be best for you.

On the other hand, if you want to take on more risks and have the potential to earn higher returns, then investing in stocks might be best for you.

4. Know what you want out of life

The first step to stopping money stress is to know what you want out of life.

What type of lifestyle do you want?

What kind of a career do you want?

If you don’t see what you want, it’ll be challenging to decide how much money is enough or how much debt is too much.

5. Create a realistic budget and stick to it

The best thing you can do is create a realistic budget and stick to it.

An excellent way to start your budget is by listing your monthly expenses, including rent, utilities, groceries, and entertainment expenses.

You should also list the income you bring in from your job or business and any other sources of income such as stocks or investments.

Once you have this information, use a budgeting app like Mint to create a plan that works for you.

6. Be on the same page with your partner if married

Money is a touchy subject for many people.

It can cause a lot of stress and arguments between couples.

But it doesn’t have to be that way if you know how to handle it correctly.

The first step is to ensure you’re on the same page with your partner about money matters.

You should both agree on how much debt there is, how much you spend, and what kind of investments you want to make.

It can be difficult, but it’s worth the effort because it will help you avoid disagreements in the future.

If you’re not on the same page about these topics, then try talking about them before they become a problem and before they lead to an argument or resentment in your relationship

7. Find yourself a financial mentor

Managing your finances can be daunting, and avoiding the issue is tempting.

That’s why you need a financial mentor who will understand your needs and help you reach your goals.

Financial mentors guide you so you can make sound decisions about your money.

8. Value your coins to save your notes

Value your coins! Coins might not seem like much now, but they are worth something someday!

Taking care of coins will save your notes, and your money will grow in time.

9. You are not your friends; stop comparing yourself to others

Money is a crucial aspect of life but can also be a source of stress and worry.

The first step in managing your money is to stop comparing yourself to others.

You are not your friends; you are not your family members; you are not your colleagues.

You have different lifestyles, different goals, and different needs.

Stop comparing yourself to others and start focusing on what you need to be happy with your life.

10. Know you “why

When you think about it, money problems are kind of crazy.

It doesn’t matter how much money you have; there’s always something to make you worry.

But unfortunately, while some people have more than they need and never worry about it, most of us don’t have that luxury.

The best way to stop money stress is by knowing what you are and why you do what you do with your money.

It will help you create a plan for your future and help alleviate some of the pressure from your day-to-day life.

Knowing the why of your life, money, and other things could ultimately lead to a happier life.

11. Financial health is critical; pursue it relentlessly

Financial health is vital.

Dating financial health should be a priority for everyone.

It’s not just about making a lot of money.

It’s about having enough money to pursue the goals in life that are important to you and your family.

Everyone faces financial stress at some point, but it doesn’t have to be permanent.

With the proper steps, anyone can stop financial stress from taking over and ruining their lives.

12. Create and manage several income streams

Money stress is a common problem in many people’s lives.

You can stop money stress by creating and managing several income streams.

Several income streams ensure enough money to pay bills and save for emergencies and investments.

13. Enjoy your money intelligently

In the end, it is your money.

You have to enjoy your money because you made it via hard work.

So there is no point in making money and leaving it behind for people to misuse it when you are permanently gone.

Therefore, do things with your money that make you happy. Only be wise in the ways you spend your money.

14. Give some money to a worthy community project

Money stress is a real thing.

It’s the feeling of not being able to provide for your family or not having enough money in the bank to cover an emergency.

But, stress is more than just a feeling – it can impact your health.

What are some ways that you can stop money stress?

One way is to give some of your money to a worthy community project.

By donating, you’ll feel like you’ve made a difference, and you’ll know that you’re helping people who are less fortunate than yourself.

15. Create an emergency fund

You need to create an emergency fund to stop money stress.

It’s a simple yet effective way to avoid debt and manage your emergencies comfortably.

Many people have difficulty saving money, but you must do so to stop money stress.

When you have an emergency fund, you can avoid the pressure of not having enough money and focus on other things.


  1. What should I do if I have debt?

Debt is a significant financial issue that can affect your mental, physical, and social life.

Knowing what you owe, how much it would cost to pay off, and the interest rates on your loans are essential.

You should also try to figure out how long it would take to pay off your debt if you made regular payments.

If this sounds too much work, many people can help you with these calculations for a fee.

It would be best if you considered the following when making decisions about your debt:

  • Your income and expenses
  • How much debt do you have?
  • What are the interest rates?
  • How long will it take for me to pay off my debt?

2. How can I save more money?

What should I do if I’m not making enough money?

Saving money is not a new concept. But, it is one that many people are still struggling to do.

There are many ways to save money. One of the most popular and easiest ways is to start grocery shopping.

For example, instead of buying a bag of chips for $3, you could buy a bag of chips for $2.

It will save you $1 per purchase and add up over time.

You can also save money by switching your phone plan or cable provider or by taking advantage of discounts like groceries or clothing stores.

Conclusion: How to Stop Money Stress

Money stress is a common issue that many people face. You can take these steps to stop money stress.

1) Avoid impulse decisions

2) Create a budget

3) Make sure you are spending less than you earn

4) Create side hustles to increase your income level

5) Create an emergency fund

An emergency fund is a savings account used in case of emergencies.

You can use it for anything from car and medical expenses to home repairs.

It provides peace of mind by ensuring you have funds available when you need them most.

There are many benefits of having an emergency fund:

  • You can take care of your basic needs such as shelter, food, and clothing without worrying about how to pay for it;
  • Having an emergency fund can reduce debt and help keep your credit score up; – It allows you to sleep better at night knowing that if something happens, there is a plan in place.

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