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Your Body Will Thank You Once You Learn To Stress Less

Money is one of the biggest causes of stress - learn how to worry about it less.

Your financial situation may be the current biggest cause of your worries. It is important to learn how to take control of your finances in order to reduce the amount of stress that it causes because it can have some serious effects on your health.

The most common effects of stress on the human body are headaches, muscle pain, sleep problems, and chest pain. Stress also affects the mood and behavior of a person. It is important to reduce stress because these common issues can lead to the development of more serious issues.  Here are some steps to take to stress less about money.

Plan for Emergencies: Unexpected expenses are obviously unexpected, but the funds to solve these issues shouldn’t be thought of only once it’s necessary. To prevent this stress, open a savings account specifically for emergencies. Once you have this account, determine the frequency and what amount is realistic for you to save. Some people may only feel comfortable saving a small amount whenever they receive a paycheck, but this still helps to build a safety net that will help to reduce your worries.

Make it Automatic: On payday, many of us may feel the temptation to spend more than we should because of that number in your account. One way to avoid spending the money that you should be saving, in your emergency account, is to never have it available to spend in the first place. Talk to your bank to find a way to set up an automatic transfer, as frequently as you can manage, into your savings account. If you use online banking, this may be as simple as just a few clicks. The automatic transfer will make it easier to never see that money you are saving until you need to access it. The saying ‘out of sight, out of mind’ will really help to reduce the stress of remembering to save.

Think of Your Future: It can be easy to get caught up in the day to day tasks and forget to think and plan for the future. When thinking of the amount you should save consider your expenses and how much you would need to survive if you were suddenly laid off. Plan to build a savings account that would be able to accommodate your lifestyle must-haves in the event that your source of income is lost.

When you can reduce the amount of stress you get from money and finances, you might just be able to eliminate the health issues you have.

James (Mike) Plumlee is a financial advisor in Dallas, Texas. He is the owner and President of MPAC Consulting Group.


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