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Eye Opening Facts About Financial Stress and Your Mental Health

Are you struggling financially and concerned it?s affecting your health? Are you unsure what the next steps should be to alleviate the problem?

This post is about the link between financial stress and mental health issues and offers free resources to help you navigate your way to a healthier version of you.



Sunny Days Blog | Financial Stress and Mental Health



What is the link between Financial Stress and Mental Health?

Financial stress is a major cause of mental health problems. It can lead to anxiety, depression, and other mental health issues.

It is not just the financial stress that is responsible for mental health problems. It’s also the way that people react to it. People who are financially stressed are more likely to have poor self-esteem and self-confidence, which in turn leads to more mental health issues.

There is more financial stress than you might think. One in five Americans are currently experiencing financial stress, which equates to approximately 20% of the population struggling to make ends meet each day while carrying debt. This affects people of all income levels, but it can be especially challenging for those who are unemployed or have multiple part-time jobs.

Mental health is a term that is used to describe someone’s emotional and psychological state. Mental health can be defined as the general mental condition of an individual, which includes their moods, emotions, behavior and thoughts. Good mental health is the ability to lead a happy life and to function well despite any mental illness or disorder.

Mental illnesses are diagnosed by a psychiatrist or psychologist after taking into account all aspects of an individual’s mental state. Mental illnesses can range from mild to severe, with some individuals suffering from symptoms for years before getting help or treatment.

According to the World Health Organization (WHO), there are more than 300 million people worldwide who suffer from some form of mental illness in any given year. The most common forms of mental illness are depression and anxiety disorders, which affect more than 150 million people each year.


Sunny Days Blog | Financial Stress


Financial Stress Symptoms

Financial stress is the number one cause of mental health problems in the United States, according to an article by the American Psychological Association. It can come from a variety of sources, such as unemployment, debt, and health issues. Financial stress can also be caused by external factors such as job insecurity and low wages. The following are some symptoms of financial stress:

-Difficulty concentrating on anything other than money
-Lack of sleep or insomnia
-Anxiety or depression
-Physical pain or illness
-Poor diet
-Excessive drinking or drug use
-Poor hygiene
-Unusual weight fluctuation


Issue of Financial Stress


Financial Stress is a significant problem for many Families

It impacts lower-class families, middle-class families and even upper-class families.

Many factors can contribute to the stress of a family, including money problems like debt or foreclosure, unemployment or underemployment, or other financial struggles. Some people may also feel pressure to provide costly gifts to their children. This financial pressure can be difficult on the family’s mental and physical health.

Financial Stress in Marriage

Can cause a lot of problems for couples. From not being able to purchase basic necessities, to not being able to afford other needs like retirement, or even going on vacation.

Financial stress in marriage is not a new issue. It has been documented as early as 1909 in the work of Dr. Vittleson. There is no standard definition for financial stress, but typically it includes disagreement about money, feeling that one partner overspends or doesn?t save enough, and negative feelings about the future.

Financial stress in a marriage can be caused by multiple things, such as needing more income due to increased costs of living and medical expenses. Or, it could be the result of not having enough money saved up for emergencies.

One way that you can tell if you are experiencing financial stress is if there is a lot of fighting about money in the relationship. Another way is if there are arguments about who?s responsibility it is to balance the budget.

As discussed before, many couples experience financial stress because they have trouble coming up with the funds, they need each month and often blame one another for their situation. When looking at why this might be happening, we need to take into account what has been going on in the last year or so — has your family grown? Have you been employed?

Financial Stress on Work

Financial stress has numerous negative effects on your work. In a recent survey, 34% of people reported some measure of financial stress that is compromising their work and their performance.

1. High levels of financial stress can lead to burnout and decreased productivity as individuals are preoccupied with providing for themselves and their family at the expense of their job.

2. Employees may also receive fewer promotions, poor reviews, or less time off over the course of time as they have less capacity to be productive at work. Generally speaking, employees who are financially stressed tend to have a more difficult time balancing their personal lives with work demands – resulting in an unhealthy lifestyle outside of work too.

3. Financial strain can cause mental health issues such as depression and anxiety which lead to less energy and motivation at work – even when they do not pose a major physical risk in themselves. When employees suffer from these issues, it is much more challenging for them.


Sunny Days Blog | Mental Health


Coping with Financial Stress

It?s estimated that about 50% of Americans are living paycheck to paycheck. They are struggling to make ends meet and pay off debt. With the rise of financial stress, people are looking for ways to save money and be more financially stable.

One way to reduce your financial stress is by following these 5 simple steps:

– Track your expenses

Tracking your expenses is very important. Tracking your expenses can help you find areas where you are spending too much money.

Tracking your expenses helps you see where you can cut back and save more money. It also helps you see what items or services are costing the most, so that you can make adjustments accordingly. You may want to track your expenses for a few months before deciding on which category or categories to focus on, but it’s worth the time investment.

To start tracking your expenses, all you need is a notebook and pen to write down what each expense is for, how much it was and when it happened. You may want to categorize these items by type of expense (like food, entertainment, housing) and by month so that they’re easier to analyze later on.


Download your free Budget Planner, no spend challenge and Savings chart here.


– Create a budget

Creating a budget is the most important part of any plan because it lays out how much money you will have to work with. The budget is also a tool for planning your spending and savings. A well-made budget will help you save money, keep track of your spending, and reduce the risk of financial surprises.

Here are some tips on how to create a budget:

  • Decide on your monthly income and expenses
  • List all of your monthly expenses, including housing, food, transportation, utilities, entertainment, etc., as well as any recurring bills that need to be paid every month
  • List any extra expenses that you have during the year such as holidays or vacations
  • Compare your total expenses with your total income; if the two don’t match up then it’s time to make adjustments!

– Get rid of all unnecessary expenses

The best way to get rid of all the unnecessary expenses is to live below your means.

This is a simple and fairly easy idea that can be applied by anyone. It doesn’t matter if you’re rich or not, living below your means will help you save money in the long run.

– Make a savings goal

A savings goal is a plan to save money for a specific reason. It can be for an emergency, a vacation or just to have money set aside in case of an unforeseen event.

There are many ways to set up and achieve your goals, so it is important to decide which option will work best for you. One way is to make sure that you are saving at least 10% of your income each month. Another way is by setting up a separate account with the goal of saving money and then transferring funds into this account each month until it reaches the amount you want saved.

– Cut down on your spending

You can cut down on your spending by prioritizing what you need and what you don’t need. So, if you are looking for ways to cut down on your spending, ask yourself these questions:

  • Do I really need this?
  • Is this the best quality?
  • Is it worth the price?
  • Can I borrow this item instead of buying it?


Here are some ways to handle your financial stress on your own

There are a lot of resources and support options in order to combat financial stress on your own. There can be a difference between feeling stressed, and knowing that something needs to be changed. And it all starts with doing research and getting educated on what you can do on your own. If these changes don’t seem to be helpful, it’s time to reach out for help. According to the National Debt Relief Association, only about 45% of Americans have reached out for help in coping with household debt. It is important that you get professional help if you feel like you need it.

  1. Take a look at blogs like this one that offers advice on coping with financial stress.
  2. Consider trying to avoid situations that cause you more financial stress. One example is by paying off high-interest credit cards first.
  3. You should work out a plan to stay on top of your finances. This might involve paying any money owed quickly and making sure you keep on top of your current bills.
  4. To make sure you stay within your budget, decide how much money you want to spend each month. And then try not to spend any more than that for the rest of the month. If you’re stuck on how to do this, try paying with cash instead of by card.
  5. Communities and support groups are a great way to find others who know what you’re going through.


Sunny Days Blog | Chronic Pain


Can financial stress lead to physical pain in later years?

We often see poor people in pain, and when we ask them about the cause, they say that it?s due to their financial condition. According to a study from the University of Michigan and Columbia University it was found that there is a link between financial stress and physical pain.

Some researchers have studied the link between the two. In one study, they interviewed people in poverty who had chronic pain. They found that 94% of them faced ongoing economic stressors like money loss, eviction or unemployment.

The relationship between financial stress and chronic physical pain is unclear; some studies have found a correlation while others have found no connection at all. One study found that people who were financially stressed reported more chronic physical symptoms than those who were not stressed about money.

The researchers theorize that this may be because people who are stressed about money are less likely to be able to afford treatments for their chronic physical conditions or they may be less likely to take care of themselves as well as they could if they didn’t have financial worries on their minds.


What is chronic pain?

Chronic pain is a condition that lasts for more than 3 months. It can affect the whole body. Chronic pain is different from acute pain in that it persists and can come and go, but it never goes away completely.

There are many different types of chronic pain, including arthritis, fibromyalgia, back and neck pain, headache and migraine. It can be debilitating and difficult to treat. It has been found that chronic pain can have a significant impact on a person?s quality of life and ability to function at work and in their personal life.

The following are the most common symptoms of chronic pain:

– Burning or tingling sensations
– Aches and pains in different parts of the body, such as the back, hips, neck, or shoulders
– Headaches or migraines
– Persistent muscle tension
– Numbness or tingling in one arm or leg


7 Ways to help someone living with chronic pain and depression:


-Physical therapy:

Physical therapy is a common form of treatment for chronic pain. It is also a cost-effective treatment that can be done at home or in the clinic and does not require medication.

Physical therapy can help to treat chronic pain by strengthening muscles, improving range of motion, and reducing inflammation. These techniques may include exercises, massage, heat therapy, cold therapy, electrical stimulation and ultrasound. The patient may also be given devices to use at home such as a foam roller or an elastic band to stretch the muscles.


Chronic pain and depression are two of the most common mental health conditions in the world. This article will explore how counselling can be used to help people with these conditions.

Counselling is a process that involves exploring one?s thoughts, feelings and emotions. It is a form of therapy that has been shown to be effective in treating chronic pain and depression. Counselling can help people manage their symptoms by providing them with skills and strategies for dealing with their condition.


The use of medication for chronic pain and depression has been on the rise as a more effective treatment option.

Medication is an effective treatment option for chronic pain, which can help to relieve the symptoms and reduce the severity of the pain. Additionally, it can also be used to treat other mental health conditions like depression.

There are many different types of medications that can be used to treat chronic pain and depression. These include antidepressants, anticonvulsants, opioids, and even non-opioid medications such as nonsteroidal anti-inflammatory drugs (NSAIDs).

Some antidepressants have been found to be helpful in treating both chronic pain and depression by reducing inflammation in the brain. NSAIDs also work by reducing inflammation in the brain but they are not antidepressant medications.


It is a natural way to improve health and reduce pain. It can also help people who are dealing with depression, anxiety or stress.

The exercise that is most effective for chronic pain and depression is aerobic exercise. This type of exercise includes running, cycling or swimming. These exercises improve mood, sleep quality, energy levels and overall quality of life. Exercise also helps people to manage their chronic pain by improving muscle strength and flexibility.

-Diet change:

As we all know, chronic pain is not only a physical symptom but also a mental one. And it can be very difficult to differentiate what the root cause of the pain is and how to treat it.

A combination of diet change and physical therapy may be able to help ease chronic pain and depression.

Eating a wholefood diet consisting of plenty of fresh fruit and vegetables can help support the body and mind with the optimum nutrition needed.

-Sleep hygiene:

Poor sleep hygiene can lead to chronic pain and depression. This is because poor sleep can lead to an increase in the production of cortisol, which increases inflammation and leads to more pain. It also increases our sensitivity to pain, which is a major reason why chronic pain sufferers have a hard time sleeping.

There are many ways that we can improve our sleep hygiene, such as:

  • -Creating a routine before bedtime
  • -Avoiding caffeine after 3pm
  • -Exercising daily
  • -Avoiding screens for at least 1 hour before bedtime (TV, phone, computer)

– Be confident that you are not alone:

There are a number of forums and Facebook groups for people undergoing the same condition. Talking to other people who know what you are going through helps you to feel supported.


Sunny Days Blog | Financial Stress and Mental Health



Mental health can suffer as a result of financial stress. In light of this, it is essential to take immediate action to alleviate financial stress and stop the downward spiral of poor mental health. The initial step is recognizing your financial issues so you know where to begin making changes. Be sure to investigate all options for relief, including budgeting and debt reduction. or find alternative means of increasing income over time as needed.



Download your free Budget Planner, no spend challenge and Savings chart here.



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