If you are worrying about money and need help, this article will come very handy.

It reveals very powerful tips to help you overcome your worry about money.



Perhaps you’ve heard the expression been there, done that, and got the T-shirt.

Likely, we can apply this expression when it comes to money and more specifically worrying about money.

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Money, of course, is important. Without it we can’t take care of our ongoing bills like rent, buying food, paying utilities, etc.

In particular, the lack of money can be extremely stressful when these bills come due and we begin to worry about taking care of ourselves and our loved ones.

This worry can create stress in our life which can also lead to health repercussions.

Unchecked stress can cause our blood pressure to increase, risk our chances of getting a stroke, depression, lack of sleep, etc.

Worry and specifically worrying about money is extremely counterproductive.


Personal Story

There was a time in my life when I was experiencing significant money problems. Worry didn’t begin to define what I was going through. I was frantic.

Each day a call to my banking automated system would share in a friendly tone that I had a negative balance.

This was due to the fact that I was writing checks knowing that I had a certain amount in my account but then penalties caused my balance to be reduced and therefore, my balance wouldn’t be sufficient to handle the checks that were being written.

I was on a money merry-go-round that wasn’t so merry. Fortunately, I sought out a credit repair and counseling service and got my financial life turned around and the carousel stopped spinning.


12 Powerful Tips to Help You Stop Worrying about Money


1. Accentuate the Positive

Worry is a negative reaction or emotion. Therefore, to counter this negativity it is important to concentrate on being positive.

Rather than focusing on what you don’t have focus on what you do have.

When you are able to pay those bills, some people literally suggest that when sending the payment to creditors send it off with a kiss.

This is a positive reaction and may even make the individual smile or laugh.

But it will go a long way in countering the worry and feelings of being overwhelmed or concerned about money.

It’s also important to express feelings of gratitude.

Gratitude can also be demonstrated by appreciating and expressing to our higher power or the universe the blessings of life.

It’s the old and overused illustration of when life gives you lemons make lemonade.


2. Make a Budget

Another important tip about containing worry that one might have in their lives is to do something practical.

This means if you don’t already, sit down and make a budget.

Analyze what is coming into the household and what is going out.

If the difference between the two is demonstrated in red or in a deficit, acknowledge that, and then dig into your budget to find out ways that you can reduce the expense of the ledger.

Positive action may be to take on additional work to increase the income side of the ledger.

Rather than worrying, the important thing is to acknowledge the situation, move on, and do something about it.

Don’t just sit there and wring your hands but use it as a motivator to control the situation and turn things around.


3. Be Kind to Yourself

Sometimes we are our own worst enemies.

When we get into a situation that appears to be negative, we often say to ourselves how could you be so stupid, or sometimes you want to give yourself a good swift kick in you know where.

It is important to remember that we are all human and as part of our human nature we are not perfect, but we do make errors in judgment or in our actions.

Often, these can be turned around positively as we can learn from these so-called negative experiences or events in our lives.

Therefore, it is important to be kind to yourself, be gentle, be firm, learn from the situation, and view it as positive.


4. Know that You’re Not in This Alone

Remember, you’re not alone in this. If you have a significant other together the two of you can work through this issue and turn things around.

If it is an issue that concerns both of you then there are always resources available in which people will help out others based on their experience, knowledge, and education.

Often, available for an individual who finds themselves upside down financially and stressing out about money can turn to a debt counselor or trusted friend.

These individuals cannot only help them through their money challenges but also help to take upon some of their concerns and encourage the individual to keep on keeping on.

Also See: Best Paying Jobs that Don’t Suck & How to Save 5,000 Dollars in a Year.


5. Do Something Positive

A powerful action that can be taken when one starts to find themselves worrying about money is to be involved in a positive action regarding one’s money.

Examples of this could be sending in a little bit of money to pay towards a bill, submit a payment, or make a donation to one’s favorite charity, or depositing 5 or $10 into a savings account.

This will not only demonstrate a positive approach to the money situation but also will indicate to the individual figuratively and literally that they are in control of the money situation.

The financial resources are in control of the individual. Taking this positive approach is extremely beneficial.


6. Education

One of the primary causes of worry is due to a person feeling like they are not in control of the situation.

Therefore, it is important to recapture that feeling of being in control of one’s finances.

One of the most powerful ways of regaining control of what appears to be an out-of-control situation regarding our money is to educate ourselves.

Consequently, re-reading or reading the best books about making money or personal finances or investing in a new book about personal finances will be the perfect answer to stop worrying about one’s finances.

Often these books provide practical instruction on what to do and what not to do and also offer a variety of testimonials about people that the individual can relate to.

Often these individuals are in unattainable situations where they are in over their heads with indebtedness.

Again, this company has paid $25+ million to members:

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Through discipline, education, and perseverance they turn things around.

These stories can be inspirational and dispel the worry in one’s life by sending the message that these individuals came out ahead and so can the reader.


7. Know the Importance of Goal Setting

Another way of gaining control over one’s financial life and ridding their mind and heart of worry is to set attainable goals.

Therefore, on a regular basis, set a goal that can be reached and work towards that goal.

An example could be saving $50 a month or paying off a particular credit card or even moving one’s total indebtedness down a couple of hundred dollars.

Set these goals and at the end of the time revisit them and be amazed at what was accomplished.

This will boost one’s self-confidence as it relates to money and help to dispel the worry that they may have been experiencing.

Also See: Best Quality Online Dollar Stores & Best Ways to Make $800 Fast.


8. Know that there is an App for that

No, there’s not an app for worry. However, there is an app to help an individual organize their finances.

By searching online one can find a number of apps or downloadable software programs that will help an individual manage their monthly finances in a more consistent matter.

These apps will remind the person as to when bills are due, possibly provide a short-term loan, manage credit cards, give an accounting of all of one’s assets and liabilities, etc.

This is just another tool that an individual can use to gain control and again push worry out of a person’s mind.

Some of those apps include Mint and Tally.


Worrying about Money


9. Start a Journal

A practical response to control or stop worry is to take up journaling.

Purchase an inexpensive blank book with lined paper or just simply open up a blank word processing page. Begin by writing about a new chapter in your life.

The journaling should capture what the person is thinking, learning, experiencing, goals, feelings, negative and positive thoughts, etc. Be candid and let it go.

One will find that journaling is a good cathartic process that allows the individual to release what they are feeling.

It will be a cleansing and an opportunity to get things off of one’s mind.

Also, it is important to include a positive affirmation of one’s worth, the positive actions they are taking, and affirming their strength in taking this positive path in gaining control over fear of money and managing finances.


10. Take Necessary Baby Steps

Remember, as a worried individual, this situation did not just suddenly occur overnight.

It most likely was a progression and involved financial decision after financial decision in succession.

Therefore, just as it took a while and was a progression to get to the point where the person is, so it will be to get back on track.

Therefore, keep it all in perspective, and when overwhelmed remember the person needs to take baby steps in the positive and right direction in moving forward to getting control of the financial situation.

Also See: Tips for Living in a Tent.


11. Start Meditation

An important tool to stop worrying is to refocus.

Worry is when your attention is on that particular situation and like a boiling pot of water, it just continues to get hotter and hotter.

Therefore, it is important to refocus one’s thoughts and attention on something more calming and strengthening.

A good way to do this is by meditating.

Simply get alone for a bit of time, listen to one’s breathing, and when thoughts of worries start to invade the mind acknowledge that those thoughts are there but then go back to concentrating on one’s breathing.


12. Know that You’re in Control

It is important to remember that an individual’s worth is not tied to their net worth.

You’ve got this and you are in control. By following these simple and positive tips you can take control of your financial situation and stop worrying.

You’re on your way to being debt-free and worry-free.

Check out the following related articles for more:


Worrying about Money FAQs


Why Am I Worried About Money?

Some of the reasons why an individual may be worried about money are that they don’t trust themselves when it comes to financial decisions.

They may have negative learned behaviors when growing up, misconceptions about the use of money, and a practical reason why the individual has not saved money in the event of an emergency.


Do Other People Worry About Money?

It is important for you to know that you’re not alone.

It is estimated that 54% of American workers point to money issues as being their biggest cause of worry.

In fact, a recent medical survey revealed that the majority of doctor’s visits, 75 to 90% of patients seen, were there because of elements created by stress.

Those symptoms and real medical issues included chest pain, depression, insomnia, high blood pressure, and headaches.


Do the Rich Worry About Money?

Perhaps not as much, but it may be a possibility.

Generally, they worry about how their invested money is doing and worry when their investment vehicle doesn’t perform well.

Also, the rich may worry about passing on their wealth as an inheritance to others.

Questions may swirl as to whether heirs will handle the money properly or will there be family squabbles.



Worry is a thief that robs an individual of productivity, creativity, life in the present moment, health, etc.

Worrying about money is a double negative in that it also can rob the individual of the joy experienced in handling money and using it in a positive manner.

It is time to change from being worried to exchanging worry to embracing positive actions and thinking.

Thankfully this article has provided as many as 12 powerful tips that can definitely help you overcome and stop your worry about money.

If you read and implement them, they will definitely help you stop worrying about money.

Again, this company has paid $25+ million to members:

SurveyJunkie (only USA, Canada, Australia residents allowed). You can earn money sharing your thoughts. They have already paid $25+ million to their 20+ million members just for sharing their thoughts and opinions. Click here to join SurveyJunkie for FREE

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Apart from being a seasoned Personal Finance expert who has written for top publications around the world, I bring significant personal financial experience. Long story short... through bad financial choices... I found myself $100,000 plus in debt. I was able to dissolve this indebtedness and regain financial solvency. This financial turn around was accomplished through reading, studying and implementing a financial plan. My financial plan included paying down my debt through budgeting, being cognizant of where my financial resources were being spent, changing my attitude about money and understanding the binding chains of the improper use of credit. Today, and for 10 years, I have been debt free and have invested wisely to enjoy my current retirement. This is allowing me to write to help others make, save and grow money wisely!