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Čeprav vsi globoko v sebi vemo, da je v življenju veliko pomembnejših stvari kot denar, lahko strah in stres ob finančnih težavah zavladata vašemu svetu. To lahko škoduje vaši samozavesti, zaradi česar se počutite nepopolne in vas navdaja občutek obupa. Ko finančni stres postane prevelik, lahko vaš um, telo in družabno življenje plačajo visoko ceno.
Finančni stres lahko povzroči:
Nespečnost ali druge težave s spanjem. Nič vas ne bo ponoči premetavalo tako kot skrb zaradi neplačanih računov ali izgube dohodka.
Povečanje (ali zmanjšanje) telesne teže. Stres lahko zmoti vaš apetit, zaradi česar se lahko zaskrbljeno prenajedate ali izpuščate obroke, da bi prihranili denar.
Depresija. Življenje v oblaku denarnih težav lahko povzroči, da se vsakdo počuti potrtega, brezupnega in se težko osredotoči ali sprejema odločitve. Glede na študijo Univerze v Nottinghamu v Združenem kraljestvu je pri ljudeh, ki se spopadajo z dolgovi, več kot dvakrat večja verjetnost, da bodo trpeli za depresijo.
Anksioznost. Denar je lahko varnostna mreža; brez njega se lahko počutite ranljive in tesnobne. Vse skrbi zaradi neplačanih računov ali izgube dohodka lahko sprožijo simptome tesnobe, kot so razbijanje srca, potenje, tresenje ali celo napadi panike.
Težave v odnosih. Denar se pogosto navaja kot najpogostejše vprašanje, zaradi katerega se pari prepirajo. Finančni stres, ki ga ne nadzorujemo, lahko povzroči jezo in razdražljivost, izgubo zanimanja za spolnost in spodkopava temelje tudi najmočnejših odnosov.
Družbeni umik. Finančne skrbi vam lahko spodrežejo krila in povzročijo, da se umaknete od prijateljev, omejite svoje družabno življenje in se umaknete v svojo lupino - kar bo vaš stres le še poslabšalo.
Telesne težave, kot so glavoboli, težave s prebavili, sladkorna bolezen, visok krvni tlak in bolezni srca. V državah brez brezplačnega zdravstvenega varstva lahko zaradi denarnih skrbi odlašate z obiskom zdravnika ali ga preskočite, ker se bojite dodatnih stroškov.
Nezdrave metode spopadanja z boleznijo, kot so prekomerno uživanje alkohola, zloraba zdravil na recept ali prepovedanih drog, igranje iger na srečo ali prenajedanje. Denarne skrbi lahko vodijo celo do samopoškodovanja ali misli na samomor.
Nasveti za obvladovanje finančnega stresa
Če se naučite obvladovati finančni stres in učinkovito upravljati svoj finančni položaj, boste lažje obvladovali svoje življenje, zmanjšali stres in si zagotovili varnejšo prihodnost. Za začetek preizkusite nekaj naslednjih nasvetov[1][2][3][4]:
Spremljajte VSE svoje izdatke.
Prepoznajte svoje finančne stresorje in pripravite načrt.
Razbremenite svoj proračun.
Poskusite uvesti majhne spremembe.
Naštejte svoje dolgove in spoznajte dolžniški cikel.
Ustvarite dodatne vire prihodkov.
Spoznajte, kako se spopadate s stresom, povezanim z denarjem.
Izogibajte se skušnjavam, odpravite impulzivno porabo.
Spremljajte svoj napredek.
Zagotovite si sklad za nujne primere.
Ne pozabite, kaj je pomembno, skrb za sebe.
Kako lahko preprečim bolezni, povezane s stresom?
Ne glede na to, ali je stres posledica nečesa, na kar niste pripravljeni, ali nezadostnih veščin upravljanja denarja, morate razumeti, da LAHKO nekaj ukrenete in da zaradi sebe (in v večini primerov zaradi svoje družine) MORATE UKREPATI. Vsi kdaj v življenju doživljamo stresne situacije, vendar je način, kako se s stresom spopadamo, tisti, ki oblikuje naše poznejše izkušnje. Recimo, da so vas nenadoma odpustili in da so prazniki tik pred vrati. Če se prepustite simptomom finančnega stresa, lahko povzročite depresijo, tesnobo in druge bolezni, zaradi katerih bi lahko zelo težko hitro našli novo službo, če sploh. Če boste osredotočeni in prizadevni, boste službo našli hitreje, z bistro glavo pa boste veliko bolje opravili razgovor. Namesto "reagiranja" poskusite s pozitivno metodo uporabe "delovanja" - prijavite se na zavod za zaposlovanje, če imate težave s takojšnjim iskanjem nove zaposlitve. Nato si vzemite nekaj časa za osvežitev življenjepisa in nekaj ur na teden namenite iskanju novih možnosti. Ne glede na situacijo bo pot dolga in težka, vendar bi se ta stres lahko zgrnil nad vas, dokler ne boste premagali vsega, kar morda povzroča vaš finančni stres.
Nasveti za lajšanje stresa:
Posvetujte se s svojim zdravnikom.
Globoko dihanje.
Pogovorite se z nekom.
Poslušajte glasbo,
Bodite proaktivni. Poiščite vir stresa in nekaj časa namenite temu, da ga spremenite. Napišite proračun in svoje finance zapišite na papir. Preverite, koliko zaslužite, kakšne so vaše mesečne obveznosti in kakšni so vaši dolgovi. Že to, da vse to zapišete na papir, vam bo pomagalo, da se boste soočili s tem. Delajte majhne korake. Sestavite proračun in si vzemite odmor, preden se vrnete in seštejete vsote. Ko boste dobili nekaj številk, ne paničarite! Ne pozabite, da je vaše zdravje vaše najdragocenejše premoženje.
[1] https://www.verywellmind.com/understanding-and-preventing-financial-stress-3144546
[2] https://www.apa.org/topics/stress/holiday-money
[3] https://www.helpguide.org/articles/stress/coping-with-financial-stress.htm
[4] https://www.thebalance.com/dealing-with-financial-stress-2385957
Effects of financial stress on your health and how you can cope
While we all know deep down there are many more important things in life than money, when you’re struggling financially fear and stress can take over your world. It can damage your self-esteem, make you feel flawed, and fill you with a sense of despair. When financial stress becomes overwhelming, your mind, body, and social life can pay a heavy price.
Financial stress can lead to:
Insomnia or other sleep difficulties. Nothing will keep you tossing and turning at night more than worrying about unpaid bills or a loss of income.
Weight gain (or loss). Stress can disrupt your appetite, causing you to anxiously overeat or skip meals to save money.
Depression. Living under the cloud of money problems can leave anyone feeling down, hopeless, and struggling to concentrate or make decisions. According to a study at the University of Nottingham in the UK, people who struggle with debt are more than twice as likely to suffer from depression.
Anxiety. Money can be a safety net; without it, you may feel vulnerable and anxious. And all the worrying about unpaid bills or loss of income can trigger anxiety symptoms such as a pounding heartbeat, sweating, shaking, or even panic attacks.
Relationship difficulties. Money is often cited as the most common issue couples argue about. Left unchecked, financial stress can make you angry and irritable, cause a loss of interest in sex, and wear away at the foundations of even the strongest relationships.
Social withdrawal. Financial worries can clip your wings and cause you to withdraw from friends, curtail your social life, and retreat into your shell—which will only make your stress worse.
Physical ailments such as headaches, gastrointestinal problems, diabetes, high blood pressure, and heart disease. In countries without free healthcare, money worries may also cause you to delay or skip seeing a doctor for fear of incurring additional expenses.
Unhealthy coping methods, such as drinking too much, abusing prescription or illegal drugs, gambling, or overeating. Money worries can even lead to self-harm or thoughts of suicide.
Tips for Coping with financial stress
Learning to cope with financial stress and effectively manage your financial situation can help you feel more in control of your life, reduce your stress, and build a more secure future. Try some of the following tips to get started[1][2][3][4]:
Track ALL your spending
Identify your financial stressors and make a plan
Declutter your budget
Look to make small changes
List your debts and understand the debt cycle
Create extra sources of income
Recognize how you deal with stress related to money
Avoid temptation, eliminate impulse spending
Track Your Progress
Get an Emergency Fund
Remember what’s important, care for yourself
What can I do to prevent stress-related illnesses?
Whether the stress is caused by something you're not prepared for, or because you have insufficient money management skills you need to understand that you CAN do something about it and for your sake (and in most cases your family's sake) you MUST. We all experience stressful situations at some times in our lives, but it's how we deal with that stress that shapes our experiences afterwards. For instance, let's say that you were laid off suddenly and the holidays are right around the corner. Allowing yourself to succumb to the symptoms of financial stress could cause depression, anxiety, and other illnesses that could actually make it very difficult to find another job quickly, if at all. You will be able to find a job faster if you're focused and diligent and you will interview much better with a clear head. Instead of 'reacting', try a positive method of utilizing 'acting'- sign up for unemployment services if you're having difficulties with immediately finding new employment. Then take some time to freshen up your resume and spend a few hours a week searching for new prospects. No matter the situation, it will be a long, hard road, but that stress could loom over you until you've conquered whatever may be causing your financial stress.
Tips for stress relief:
Consult Your Doctor
Deep Breathing
Talk to someone
Listen to music
Be proactive. Consult the source of the stress, and spend some of your time working towards changing that. Write a budget and get your finances down on paper. See what you make, what your monthly responsibilities are, and what your debts are. Even getting it all on the page will help you confront it. Take small steps. Make the budget, and take a break before you come back to tally up the totals. Once you do get some numbers down, don't panic! Remember, your health is your most valuable asset.
[1] https://www.verywellmind.com/understanding-and-preventing-financial-stress-3144546
[2] https://www.apa.org/topics/stress/holiday-money
[3] https://www.helpguide.org/articles/stress/coping-with-financial-stress.htm
[4] https://www.thebalance.com/dealing-with-financial-stress-2385957