Removing Stress from Money

Money is responsible for a lot of things: our homes, our clothing, our food, our entertainment. But for most of us, money is also responsible for our biggest source of stress. Financial stress can weigh on our emotional, mental and even physical wellness. There are small steps to combat this looming pressure, even without the ability to magically generate more income.

Save, save, save.

It may seem counterintuitive to put money away when you’re up against a lot of bills, expenses, or debt. But putting away a little bit in the present could help you feel more secure in the future.

Pay more attention.

You may feel like you spend all your time thinking about your finances, but how much time do you actually spend getting to know the ins and outs of your spending and saving? If you make it a habit to check in with your accounts and your budget daily, you’ll live in constant awareness of what you’re able to spend and what you’re not. That will save you from impulse purchases in the long run.

Accept your means.

When it comes to extra spending, a tried-and-true method of living within your means is to ask yourself the question, “Could I pay for this with cash?” If the answer isn’t yes, you can’t afford it. Obviously, you will have to determine what your own line is, but once you define what you can comfortably afford after your expenses are taken care of, hold yourself accountable to not overspend. 

Find resources.

In a world full of networking and instant connection, there’s no reason you should be tackling your financial goals all alone. There are plenty of opportunities to get organized and on top your money through budgeting apps, online money management and automatic bill pay. Plus, there are smart ways to get financial advice from certified professionals locally.

Finally, in the middle of your financial stress, don’t let it become financial shame. There are very few people who can honestly say they’ve never known what it means to feel overwhelmed by money. The most important thing to remember is you can get back in control with the right moves and tools.

Kat’s Money Corner is posted in the Kansas City Star every week. Kat Hnatyshyn, when not blogging or caring for her little ones, is a manager with CommunityAmerica Credit Union. For more financial chatter, follow us on Twitter @CommunityAmerCU.


Tara at CommunityAmerica

Hi Vivian! Thank you for your comment and your longtime loyalty. From the top down, we are committed to doing what’s best for our members. One of our goals is to try to work with members who are struggling financially to help them achieve financial peace of mind. If we can help you, please give us a call or stop by any of our branches. We’re here for you. Thanks! ~ Tara


I have been a customer since 1964. I’ve seen name changes, CEO changes and much more. People get overdrawn at times. Getting assessed a $28 dollar fee adds to the complication and creates a financial burden. What customers don’t know is this. Bonus payouts comes from the customers who are assessed overdrawn fees. It’s put on the backs of its members. The bonus payout is NOT from the goodness of it’s management but from people with some struggles.
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