Stress is unfortunately part of almost every adult's life. There are many different types of stressors that cause people to lose sleep and worry. One of the biggest causes is related to finances. Money is one of the most recurring themes of what people worry about in the USA. In fact, one in three people worry more about potential financial issues - not making enough money, not being able to pay off debt, and losing their jobs more than almost anything else. That's a high percent of people that are all worried about the same thing.
Many of us wonder what we'll do if something unexpected occurs, such as the loss of a job, property damage, or some type of accident. How will we make ends meet? Will we lose our homes? Unexpected costs associated with home ownership and medical expenses are very common. After all, accidents can happen at any time. Who expects their furnace to go out? Or for a leak in the pipes to cause a ceiling or floor to cave in? No one. But unfortunately, those things do happen. And illness related expenses are particularly frightening. What if insurance doesn't handle a certain type of treatment we need? How will we scrape together the money to pay for it? What if we sustain injuries that cause us to be unable to make an income for an extended period of time?
Sometimes our fear of financial repercussions will keep us from helping someone out who may need it. After all, donating or lending someone a large sum of cash most likely means making your nest egg that much smaller. But if you know someone who's going through something big at at the moment, don't think you have to make a grand gesture and swoop in to save the day. Most people in crisis mode are just happy to have someone to help with the essentials, such as a groceries or helping them out with childcare issues. Even buying someone a tank of gas is a deed that can go along away during times of financial stress.
And while it can be hard to save for the future, we shouldn't beat ourselves up over it so much. Instead, look at your budget and see where you can make cuts. Trying packing your lunch more. See about lowering your interest on your credit card bill. Do you really need that cable package with five hundred channels? You have the ability to gain control over your finances and therefore let go of some of the fear and uncertainty that may be keeping you up at night.
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