There are millions of self-help books and online resources that help people who are in a difficult financial situation. Most of the advice usually deals with attacking the causes of the problem and alleviating the budgeting issues, which is great, but what about the psychological toll being broke can take on a person?

Stress and anxiety aren’t healthy at the best of times, but when the problem is money and there just isn’t enough of it, you can feel like you’re going crazy. Decreased ability to sleep, focus, or enjoy life can turn a tricky financial situation into an all-out assault on your mind and your health.

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Getting Through a Tough Money Situation

As counter-intuitive as it may seem, the worse your money situation gets, the more you need to make an effort not to think about it so much. Sure, of course you need to form a plan of action to get your finances back in order, but how much of the time that you spend worrying is actually taken up with constructive planning?

Set aside a few hours to get a strategy together, make the necessary decisions, and then do your best to move on with your week, as hard as that can be. You are doing everything you can, and there is absolutely zero point in mulling it over all hours of the day and night.

Remember, despite what it may seem like right now, there are other things in your life besides this money problem, wonderful things that will give you a great deal of comfort and happiness if you let them. Try to get a bit of perspective on your situation.

Because money dictates so much of what we define as our lifestyle, in our heads we magnify every glitch until even the smallest bump in the road seems like the end of the world. But take a moment and think about a rough financial period you had ten or even five years ago. Didn’t that one seem like the end of the world, too? Don’t they all seem that way when you’re in the midst of them?

Sure, those memories may not be the most pleasant, but the point is that you got through those times, and you’re still around. It’s not that big a deal anymore. Despite what you thought at the time, those money situations were not the end of you, and you are infinitely capable of bouncing back, both then and now.

Remember that no situation lasts forever, and try to be patient. Enjoy the other, more pleasant aspects of your life in the mean time. Crisp autumn days and good conversations with friends will always be free.

It is easier said than done to stop worrying when your bank balance is not what you’d like it to be, but with some concerted effort to bring your focus to other things, you can help manage your anxiety level to the point where you can deal with any and all financial issues constructively, with a clear head.

Be careful, though, about going too far off into daydreaming, because wallowing in denial can cause even more serious problems. Don’t ignore the situation, but do make an effort to formulate a plan as soon as possible, so then you can put those worries aside and get on with the better things in your life.

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