--- title: How To Reduce Stress If You're In Financial Trouble description: Not feeling in control is a huge cause of stress. Seeing your debt go up, having debt collectors call you and not being able to do anything about it, is one of the most stressful things a person can experience. image: https://www.beyonddebt.com.au/hubfs/shutterstock_768062041.jpg --- ![Top bar image](https://www.beyonddebt.com.au/hubfs/Assets%202019/Top%20bar%20image.jpg "Top bar image") ###### ![](https://www.beyonddebt.com.au/hubfs/Assets%202019/Tv.svg)Did you see us on TV? - [Click Here](https://www.beyonddebt.com.au/debt-help) ![Close](https://www.beyonddebt.com.au/hubfs/Assets%202019/Close.svg "Close") [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20black.png?width=560&height=128&name=Beyond%20Debt%20black.png "Logo")](https://www.beyonddebt.com.au) [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20white.png?width=560&height=128&name=Beyond%20Debt%20white.png "Logo")](https://www.beyonddebt.com.au) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)**1300 284 091**](tel:1300%20284%20091) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) [![Free Consultation](https://no-cache.hubspot.com/cta/default/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a) #### [1300 284 091](tel:1300%20284%20091) - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) [## How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner) ](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) [Read Article](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) # [How To Reduce Stress If You're In Financial Trouble](https://www.beyonddebt.com.au/blog/how-to-reduce-stress-if-youre-in-financial-trouble) - ###### Ben Paris - ###### 08 Mar 2019 ###### LATEST ARTICLES - Eliminate Debt [Back to blog](https://www.beyonddebt.com.au/blog) - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fhow-to-reduce-stress-if-youre-in-financial-trouble) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fhow-to-reduce-stress-if-youre-in-financial-trouble) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.beyonddebt.com.au/blog/how-to-reduce-stress-if-youre-in-financial-trouble) **1.    Get a Plan** Not feeling in control is a huge cause of stress.  Seeing your debt go up, having debt collectors call you and not being able to do anything about it, is one of the most stressful things a person can experience. I’ve been in some negative situations, but I found that all my stress evaporated as soon as there was a plan.  To reduce your stress, you need a plan and take some steps. **2.    Stop Digging** Your financial situation deteriorating is guaranteed to increase your stress.  A growing credit card balance or another payday loan is sure to cause depression. You have to stop digging.  Call up and cancel your credit cards. Don’t get another payday loan. **3.    Go for a Run (do some exercise)** Exercise releases hormones that can elevate mood. While the advice to sleep more is great, the reality is if you’re really stressed it can be difficult to sleep. This problem isn’t present with exercise. 30 mins of exercise has been shown to assist with depression and reduce the likelihood of developing a mental illness. It also helps you sleep. **4.    Go easy on the caffeine and alcohol/drugs** If you’re stressed, alcohol can be very tempting.  If you’re not sleeping drinking a lot of caffeine can also be tempting. However, both alcohol and caffeine have been shown to exacerbate anxiety and depression. In other words, they make stress worse. **5.    Get other things in order** If you’ve got money problems, you probably won’t be able to solve it overnight.  It’s going to be a medium-term project. That can be a bit demotivating. Getting other things in your life in order can reduce your overall stress levels.   Simple things like tidying your home, developing a weekly plan, a weekly menu, decluttering your wardrobe, can contribute to lowering stress. ###### Ready to become debt free? #### Take the first step to a debt free future [Ready to become debt free?](https://info.beyonddebt.com.au/request-a-consultation) ### You might find these interesting - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) ## [How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner)](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### Ben Paris - ###### 21 May 2026 - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) ## [2023 New Year’s Financial Resolutions](https://www.beyonddebt.com.au/blog/2023-new-years-financial-resolutions) - ###### Ben Paris - ###### 14 Dec 2022 - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) ## [Two Ways to Pay Off $10,000](https://www.beyonddebt.com.au/blog/two-ways-to-pay-off-10000) - ###### Ben Paris - ###### 02 Sep 2021 - [Personal Finance Basics (126)](https://www.beyonddebt.com.au/blog/tag/personal-finance-basics) - [Handle Money (100)](https://www.beyonddebt.com.au/blog/tag/handle-money) - [Everyday Expenses (61)](https://www.beyonddebt.com.au/blog/tag/everyday-expenses) - [Affordable Living (50)](https://www.beyonddebt.com.au/blog/tag/affordable-living) - [Build Savings (33)](https://www.beyonddebt.com.au/blog/tag/build-savings) ## Ready to become debt free? #### Speak with one of our specialists to start your future [![About Beyond Debt](https://no-cache.hubspot.com/cta/default/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2) [![Get Help](https://no-cache.hubspot.com/cta/default/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) - ![Family-Owned-transparent-300x158](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Family-Owned-transparent-300x158.png?width=115&name=Family-Owned-transparent-300x158.png) - ![pipa_logo_transparent_300w_100h](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/pipa_logo_transparent_300w_100h.png?width=151&name=pipa_logo_transparent_300w_100h.png) - ![Feefo](https://www.beyonddebt.com.au/hs-fs/hubfs/Feefo.png?width=115&name=Feefo.png) ##### Debt Help ##### Company ##### Resources Beyond Debt is a trading name of DCS Group Aust Pty Ltd. 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