7 Amazing Tips for Dealing With Financial Anxiety

New coping strategies for anxiety can be the key to living a calmer life. A life where you do not have the urge to over-plan and constantly worry all the time. With millions of people suffering from a mental illness of some sorts, many have anxiety and don’t even know it.



There isn’t one exact way to start coping with negative thoughts or the desire to go shopping (when you don’t have any money) but there are multiple things you can test out.


Once you find one thing that works, continue on searching for others. Building an effective tool kit full of tips to help with anxiety is the best way to feel some relief from the jitters and racing heart.


Eventually you will have a list of things you say, do, and won’t do when you’re considering coping strategies for financial anxiety AKA an official GROWING coping kit.


A coping kit is essentially a literal or figurative box that you turn to when you are feeling financially anxious.

By the end of this post you will know my top 7 tips for dealing with financial anxiety, so you can start to live a calm, relaxed life.


Table Of Contents

What are signs of financial anxiety?

7 tips for dealing with anxiety

1. Interrupt your thoughts

Questions to help with financial anxiety

What is worry

How to Stop financial worry

2. Distract yourself

Breathing technique

Mindful activity

3. Aromatherapy

4. Get Moving

5. Talk to a friend

6. Complete Anxiety worksheet

7. Compassion


Before we dive into a few simple coping strategies for dealing with financial anxiety, it’s important to realize what financial anxiety looks like.


Not all of us will react the same way to a situation and that is okay. What makes financial anxiety such a widespread feeling is that it can manifest itself in our thoughts, bodies, and even our behaviours.



What are a few signs of financial anxiety?

  • Excessive worrying (constantly thinking of something negatively)

  • Increased heart rate

  • Feeling tense

  • Feeling agitated (increased sweating, dry mouth, fidgeting)

  • Fatigue (low energy) when pay day is near or has recently passed

  • Avoidance of bills or talking about money

  • Trouble sleeping due to worry

  • Irritability due to circumstances

  • Discomfort in chest at the idea of financial goals or needing money

  • Fear of spending

  • Inability to save or plan for financial future


Keep in mind this is not a complete list but these are some of the most common signs and behaviors associated with financial anxiety.



Sometimes it’s easier to recognize that your heart is beating faster than normal than it is to recognize you feel agitated. Or we might overlook that when pay day is approaching we start to feel more irritable and stressed than usual. But with a good set of coping tips for financial anxiety it will become easier to combat these anxious cycles.


There are also times when we might think we are experiencing anxiety but aren’t aware of how intense and how often this feeling enters our daily lives.


Although financial anxiety doesn’t look the same for everyone, it’s important to note you can still develop healthy habits for coping with anxiety.


It essentially is trial and error when implementing different tips for dealing with financial anxiety. It may take a few tries but you’ll know it’s working when the symptom you were focusing on has decreased or your awareness of the symptom has increased.


6 coping strategies for financial anxiety



Interrupt your thoughts


Overthinking looks like taking a concept (whether anticipated or having occurred) and shaping your thoughts around it.


The more shame, guilt, judgement, or even worry that we place on a particular moment, the more anxious we can feel.


When financial anxiety kicks in we are no longer thinking clearly which is why one of the tips for dealing with anxiety is to ask yourself questions.


Questions to help with financial anxiety

  1. Would it help to think about this right now?

  2. Is this a good time to think about this?

  3. Are these thoughts making me feel better?