Lean on loved ones.
Don't keep to yourself if you're struggling financially--this could leave you feeling isolated or depressed. You'll be happier if you spend time with family and friends. Talk to them about your problems. They're likely dealing with the same issues or can at least offer support.
Relax.
If you're stressed, do things that soothe you, such as taking a walk or enjoying your favorite hobby or activity. Exercising and eating properly can also relieve anxiety.
Quell layoff fears.
Instead of feeling like you could be let go any time, focus on your strengths. Tell yourself, "I got this job because I'm hardworking, talented and skilled."
Think positively.
If you find yourself saying negative things like "I'll never be able to pay off this debt," you're in danger of becoming overwhelmed by your fears. You can't control the rising cost of gas or groceries, but you can come up with ways to save money until the economy improves.
Use your talents.
Think of ways you can pick up a little extra cash. If you're a whiz at math, you might tutor students at a local school. Or ask around for babysitting opportunities.
Play a little.
Don't think you can't have any fun because you have to save. You should do pleasurable things--they'll bust stress and give you stuff to look forward to. Just don't do them as often. Go out to dinner twice a month instead of twice a week. Put aside the money you save, and in a few months, you'll have enough cash to spend on something special.
Source: Richard Sherman, PhD, a clinical psychologist in Tarzana, Calif.
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