This is the third part of How Financial Difficulties Can Make You Sick. Click here to read the second part of this article.
How to Regain Your Health
The body can be affected by stress in plenty of negative ways. The stressor here is financial worry. It can be brought on by a number of different financial situations. Some come on suddenly and others develop over time. The main point is that we are not ready when they do appear.
What’s the answer? Take back your power and your health. We have presented the downside; now here is the upside. You can overcome the health problems and the financial worries behind it. It may not be easy but it will be worth it to have peace of mind and a more solid financial future.
Here are some possible ways to help you to face your financial worries.
Before you can even make a plan sometimes, you need to get help. Start right now. You may be suffering from a number of the physical ailments on this list already. Before your body gets any worse, see a doctor. If you can’t afford to spend on a private doctor, visit the emergency room. The first priority here is addressing your health concerns.
If a doctor places you on medication, take it. Ask for generics to lower the cost of prescriptions. Explain your situation to the doctor. They may be able to give you some samples to tide you over until you can afford the medicine.
Seek Financial Advice
Whatever your problem, there is an avenue that you can take to find a resolution. Talk to a financial counselor. Explain the situation and see if they can help. Between them and you, make a plan to tackle the financial crisis.
The short-term goal is to get you back on your feet. Government assistance may be available to help with food and money towards rent and other bills. Apply to see if you qualify for benefits in your particular situation.
Long term, you want to find ways to work to resolve the financial burden that has entered your life. A financial planner can help you come up with viable steps for managing the debt and dissolving it. This will likely include the creation of an emergency fund. This type of fund comprises about six months’ worth of pay so that you have a cushion to be able to pay your bills should financial disaster of some kind befall you.
If you are still working, check with the human resources officer to find out if your company offers the Employee Assistance Program (EAP). This gives you access to free legal consultation as well as personal counseling. Getting in touch with a therapist can help you to face your feelings about the financial situation and offer coping therapies to avoid becoming chronically stressed again.
Learn to De-Stress
Exercise is a great stress reliever. It also releases endorphins in the brain while improving cardiovascular health and mental focus. When you can think clearly you can come up with solutions to your problems.
Take a mental health break. Each day spend time alone unwinding from your day. This can involve deep breathing exercises, yogic poses or listening to soothing music while you focus on candle light or a mantra. Processing your day in this way puts events in perspective so you can deal with them one at a time.
Eat healthy. When the body gets what it needs, it can function properly. A healthy body is strong enough to fight back against the effects of stress.
Ease your mind with a plan. Create a budget that will allow you to handle your debt and build a savings account at the same time. This may mean cutting out some expenses, but if you are already deep in debt, those won’t be as hard to give up.
Avoid any future financial stress. If your loved one died without a will, create one today for yourself. A will protects your children’s financial future. You can even pay for funeral expenses ahead of time to avoid burdening your loved ones.
Locate important papers and keep them together. This includes insurance policies, deeds, wills, trust documents, and anything else of a financial nature. Go over it so that you understand everything that is before you in the event that you will need to handle financial matters yourself. There is peace of mind in being prepared.
In conclusion, financial worries don’t just go away. When we hide from them, they grow larger than life. This can lead to chronic stresses in our lives. Over time, stress can take its toll and leave our bodies in bad shape.
If you are under financial stress, don’t wait until it gets bad enough to cause permanent physical damage. Take back your life and your financial outlook. Knowledge brings power. Once you know what you are facing and how it can affect you, strive to use all resources at your disposal to fight back.