Stressed About Money?

Posted by Mrs Money on June 24th, 2010

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Sometimes I think that I have an obsession with money. I work at a bank, blog about personal finance, and need money to live.  Needless to say, sometimes I get tired of thinking about money.  Thinking about the amount of money I need to save gets to be a chore, and can be stressful. I have to work hard to realize that we have enough money and that we’ll be fine.  We’re doing everything we can to live frugally and save as much money as possible.

Sometimes I feel like giving up.  We work hard at trying to live on one paycheck so that it’s easier for me to be a stay at home mom when the time comes (if we can figure out health insurance.  We were on vacation last week and I worried about how much money we were spending.  A lot of the time spending money stresses me out, even if it’s for necessities.  I hate paying a lot of money for a huge electric bill, for example.

Stressed about money?

Here are some solutions I’ve come up with to stop stressing about money.

1. Realize that no matter how much money we make, it will never seem like enough.  Learn to be happy with what we have and keep plugging away at our financial goals.

2. Follow a good budget and stick with it. This will help eliminate stress when spending money.

3. Don’t get into more debt.

4. Make Mr. Money handle the finances (kidding… only slightly!)

5. Work on increasing side income.  The more diversified we are in income streams, the better.

Those are all good ideas that will help keep me from stressing about money.

What do you do when you are stressed about money?

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16 Responses to “Stressed About Money?”


  1. Little House says:

    These are great tips. I over-plan and over-budget and am definitely obsessing about where my money is going. But I do know that my husband and I have lived comfortably for many years now, so that alone puts me to rest. As long as I’m making progress on my long-term savings goals, I feel a bit more relieved.

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    Mrs Money Reply:

    Little House- Thanks! I am sooo glad to know I am not the only one who over plans and over budgets. I need to relax! ;)

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  2. A really detailed budget and plan makes me feel better usually, but I stress when big things change with our money.

    My husband is 99% hired as a school librarian for next year, but they haven’t signed a contract yet due to a few bureaucratic forms and red tape…umm, yeah, I’m stressing. We are also planning to use $8700 of our $10,000 emergency fund to pay off his car loan as soon as that contract is signed…that is stressing me out big time since my cushion will be deflated for a few months. Stress sucks.

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    Mrs Money Reply:

    Budgeting in the Fun Stuff- I would be stressing too. I’m sure things will work out fine for you. I do the same thing- I always jump to the worst case scenario. ;)

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  3. Becky R says:

    Hi! Another thing is to remember it is all God’s money. He can give and take away. But he does call us to give back 10% of everything He gives us. And then give more. Believe me you will stress less once you do so. This coming from a single mom who makes less than $20,000 a year including all sources of income, but have no debt (except house) and bought a house (with a mortage) last year. It is only God that my finances are possible.

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    Mrs Money Reply:

    Becky- Wow! That is great! Congratulations on your success. I need to learn to relax about it. :)

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  4. When I stress about money I usually freeze up and go stare at my finance spreadsheet for hours… doing what-if scenarios…

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    Mrs Money Reply:

    Money Reasons- I’ve done that. You definitely aren’t alone. ;)

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  5. I think stressin’ is probably part of our DNA, whether its good stressin or bad stressin’. We could the the “nerd” of the relationship and need to see where money is coming in and going to where. I do agree though, I often ask my husband if I focus on money too much that I am missing LIFE. Am I so wrapped up into paying off debt that I’m missing experience LIFE with my family? I think its a fine line! :) Enjoy your blog- new reader!

    [Reply]

    Mrs Money Reply:

    hyperactivelu- That’s true! I think of the same thing- am I worrying too much that I’m not really living?

    Thanks for the sweet comment, and welcome!

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  6. Debt stresses me — oh, the weight of it.
    But point #1 you make is what it’s all about. That’s the one I need to repeat to myself over and over again.

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  7. Squirrelers says:

    For me, it helps to feel in control. Not that we are ever in full control of everthing, but it makes me feel good believe I am :)

    Along those lines, I like to take stock of my overall financial situation, and get

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  8. Squirrelers says:

    Accidently submitted above:) Here’s my full response:

    For me, it helps to feel in control. Not that we are ever in full control of everthing, but it makes me feel good believe I am

    Along those lines, I like to take stock of my overall financial situation, and get organized with day-to-day finances (bill paying, bank balances, etc). Then, I totally drop all thoughts about money and just do something unrelated. It could be fun with family, movies, etc. Just something to reset my perspective to realize that life is not about cash flow and savings, but people first.

    [Reply]

  9. Ah it’s good to see that I am not alone in my stress..(sorry guys, but misery loves company remember)… I have this deep seated fear that I will one day run out of money. I don’t know why, can’t explain it but it drives dear hubby wild. He says the way I DON’T spend that we will never run out of money. I still fear…

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  10. Akborn says:

    I think stress and money go hand in hand. Once a few years ago we were in debt to our ears and barely making payments etc and I sort of foul up abit due to being overwhelmed etc so my hubby offered to kind of take the financial reins for abit which was sweet but I think it stressed me out more lol. I have been a stay at home mom for 6-7 years now. I have gone into the work force a few times but sadly due to cost of child I found I was only adding to the debt. Lol I only wish I was like you in the whole budgeting but truthfully I have negelted in maintaining a “set” budget due to the lack of funds and I was geting over stressed in trying to make the income met the budget and vise versa. I wouldn’t say fortunitly or not but I have a almost too care free way with money. It’s frowned upon I know and really we are perfect examples of poor money management but my hubby and I both decided that if we work hard live simple and honest and not let money be the determining factor for every action we do we just might do alright. Lol
    my point really is I think weither you are and over planer or under planer you stress on money. And sometimes having money is just as worrysome as none lol. Sorry for my long ramble. Lol

    [Reply]


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