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Stop Worrying about Money Problems

Updated on July 16, 2011

The title of this Hub is easier said than done. If you are like me, the current economy has got you worried about your finances. I worry about my money problems day in and day out. It often keeps me up at night. Financial problems are like a living nightmare that you cannot ever wake up from to escape. They don’t go away just because you decide to ignore the situation. In fact, your money problems, if ignored, can get worse over time.

However, there is a flip side to this situation. Constant worry about finances does not improve the situation. Worrying does not make the problem go away or mean that you are necessarily actively doing anything to improve your situation. The reality is that worrying is about as unproductive as ignoring – each path leaves the problem untouched.

Nothing solves money problems overnight. There is no real easy money or quick solution unless you know someone who will give you money without expecting something in return. And, if you have someone in your life that is like that, than you don’t really have to worry. For those of us who are on our own, we need to think proactively instead of worrying about our future.

Make a plan and stick to it. If you are unemployed and searching for a job, you keep at the job hunt. You take temp jobs if available. You keep sending our your resumes and going to interviews even if it feels like you aren’t being successful.

If you are like me and have trouble paying all of your bills, you keep trying to find extra ways to make money. Everything takes persistence, patience and time. All you can do is try your best and do your best.

Bad things can happen to any of us. We can lose our job, lose our home and lose everything. You can do your best to prevent total devastation by building up your savings and preparing for tough times. Even though worrying does not help and actually increases the level of stress, we worry. It is hard to stop worrying. But, worrying drains you and leaves you with little energy to be your proactive and productive self.

What to do Instead?

Here is a list of things you can do instead of worrying that you can do without spending a lot of money:

  • Write about your life experiences and share it with others
  • Volunteer to help someone else to take your mind off your own troubles
  • Go for a walk to see something beautiful in nature
  • Read a library book about something or someone far removed from your own life
  • Spend time with family, friends or pets and do something you love with people you love
  • Think of everything that you are thankful for and take a moment to be thankful
  • Work on a puzzle
  • Play solitaire.

Once you have calmed your mind. You are ready to develop a list of things you can do to begin to get rid of what is worrying you and actually do them ~ turn a hobby into something that can earn you cash, think of extra ways to save money, network with others to help find new job opportunities and vision yourself being successful.

Bottom line: stop worrying and have faith that everything is going to work out.


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    • truthfornow profile image

      truthfornow 5 years ago from New Orleans, LA

      Hi bac2basics, it is very hard to stop the worrying ~ you have to work at that everyday and just do the best you can do. Thanks for stopping by.

    • bac2basics profile image

      Anne 5 years ago from Spain

      Hi Truth. I enjoyed this hub and liked the way it started, it is very difficult sometimes to stop worrying, but if you can do something to take your mind off your worries even for a few moments , it´s a few moments of peace. Walking is one of the best worry busters I know, so a great tip there and it costs nothing. I hope your problems work themselve´s out soon :)

    • profile image

      Vikas Shrivastava 5 years ago

      Left job at Nestle India Ltd in 2004 to set up my own Herbal Pharmaceuticla Business.All these 8 years kept facing huge loses but still holding ground some how.My liabilities are mounting up & on top of it I am a compulsive worry some person-but YES You are absolutely right worries can take us no where.It is better to keep looking at the positives & keep moving forward with a belief that you will realize your dreams of total financial independence one day!

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      It is a battle every day not to worry about money problems eolikes. Thanks for the vote up!

    • eolikes profile image

      eolikes 6 years ago from Bangladesh

      beautiful, useful, interesting discussion. Like it. Thanks so much. Voted up

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      It is hard not to worry about money problems. However, worrying only makes you get sick and certainly doesn't bring you any money.

    • Jhangora profile image

      Dinesh Mohan Raturi 6 years ago from Dehradun

      Found the tips really useful. Money is certainly needed - however, it is not the most important thing in life.

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      Meditation and exercise are good ways to stop worrying.

    • ChanellChilds profile image

      ChanellChilds 6 years ago

      Hi Truthfornow,

      It's crazy to think of how much money problems can take over our lives. You are right that worrying just makes it worse. I usually meditate, or excercise. Thanks for the insight.

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      It is hard not too worry so I try to remind myself to keep on pushing forward.

    • Seeker7 profile image

      Helen Murphy Howell 6 years ago from Fife, Scotland

      An excellent hub that is not 'pie in the sky' - this gives great advice on actively trying to help money problems but at the same time giving valid reasons for worrying all the time! I've been there as well and it is a nightmare, but you are right, constant worry does nothing to solve the issue, but being pro-active does!

      Voted up + awesome!

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      tswilson, yeah worrying unfortunately doesn't help the situation.

    • tswilson profile image

      tswilson 6 years ago from United States

      Phenomenal hub. The more worry and concern we give to money, the more it controls our lives. Great insights as well as ideas for what to do instead.

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      I am gonna have to check it out. Thanks.

    • shellyakins profile image

      shellyakins 6 years ago from Illinois

      I'm with @dantisheeple. Dave Ramsey changed my view of money and how to save and spend it. Not to say I don't still worry about money, but now I have a plan to follow. Check out Dave Ramsey's website for all the stuff he offers. (

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      It is hard not to worry about money. I do it all the time. But, we have to let go sometimes because it will drive you crazy.

    • Ebower profile image

      Erin Bower 6 years ago from Georgia

      This is exactly what I needed to hear! I have been unemployed for a few months and my money is running out. This helped to remind me to have faith that everything will work out and to do something productive besides worrying. I voted this up and awesome!

    • SpiffyD profile image

      SpiffyD 6 years ago from The Caribbean

      Worrying is disabling indeed, but it is a natural response to many adverse situations and uncertainty. The good thing is that you pointed out the simple ways you can avoid worry and ease the mind. Voted up and useful.

    • Injured lamb profile image

      Injured lamb 6 years ago

      Agree with you truthfornow, worrying does increase the level of stress yet help us nothing...find things to do instead of worrying is what the "solution" we need though the situation might still be there. Action and work it out! Cheers!

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      Thanks twilightnera, Glad it helped.

    • twilightnera profile image

      twilightnera 6 years ago

      On a day like today when Money was really stressing me out, this article was really, really helpful! Thank you for your honesty and sharing your experience.

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      @dantisheepie, I am glad you found something to help. Maybe I should check this book out. Thanks for reading and the advice.

    • dantisheeple profile image

      dantisheeple 6 years ago from Southeast AZ

      Last Christmas, I was given a book called "The Total Money Makeover" by Dave Ramsey. It was from my mother-in-law so I treated it as a "shot across the bow" and tossed the book aside. A few nights ago I was bored and picked the book up and I have not been able to put it down. Awesome read for anyone who is having minor to major financial issues, or for anyone who thinks they have it figured out. It's a total game changer and I recommend everyone to check it out! -Sorry, didn't mean to sound like an infomercial there...

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      I know I have wasted too much time on worry and had to let it go . . .

    • Alladream74 profile image

      Victor Mavedzenge 6 years ago from Oakland, California

      Beautifully put.I once heard a saying that goes-Worry is like a rocking chair,it goes back and forth but takes you no where! Great hub

    • Chatkath profile image

      Kathy 6 years ago from California

      Great hub, you beat me to writing it though as I guess I was too busy worrying about my money problems... LOL

      Some good ideas and kudos for you, a proactive to way to deal with problems, action!

      Best of luck to you TFN

    • slmorgan profile image

      slmorgan 6 years ago from San Francisco

      Great hub. Volunteering is a good idea to obtain additional experience as well as a way of trying something new. Useful and interesting. You are so right. Over worrying can cause you not to act on the situation, but to react when the situation is dire.

    • truthfornow profile image

      truthfornow 6 years ago from New Orleans, LA

      Thanks so much for the vote up. I find that I have to snap out of it to avoid getting too depressed. It is a struggle.

    • Jeannieinabottle profile image

      Jeannie InABottle 6 years ago from Baltimore, MD

      This is very true. Worrying only makes the problem worse, not better. It is so tough sometimes though. Every now and then I have to take a moment to feel sorry for myself, but I also have to snap out of it, too. Dwelling on things does not make it better. Great hub and voted up!