Mind Over Money

Guide To Not Stress Out When You Are Broke

Living paycheck to paycheck can be very stressful. You’re always wondering how you’re going to pay your next bill. I’ve been there and it sucks. After a while of living paycheck to paycheck, I realized that unless you can control the outcome, then there’s nothing to worry about. If you can control the outcome then you can either worry about it and not change your life or do something about it and stop worrying.

Stress has a lot of effects on your health and you need to change the way you live in order to live healthier. Changing your whole mindset isn’t easy to do, but it’s something that needs to be done, otherwise you’re going to be stressed out all your life. You are in control of your life, so you can’t wait for something to happen. You have to make it happen.


If you have a plan in place for when you’re low on money, you will be able to take stress out of the equation. You are stressed because you don’t know what to do, but you’ve been here before. So now that you’re here again make a change. What are you going to do this time? Once you come up with a solution, write it down and use it next time. But how do you come up with a solution?


So let’s take an example. Your rent payment is coming due, but you don’t have all of it. If you’re just going to shut down, then you’re not going to be able to pay rent. What do you do? Well, what can you do? Brainstorm it. You could get payday loans, but that’s just going to delay the inevitable. So come up with something constructive like selling something, going to a temp agency, sell plasma, go to a day labor place. These are just a couple of brainstormed ideas, but you get the point. There are other ways that are more constructive than getting a payday loan, which are going to have you stressed out again in two weeks.


Once you have found a solution that is going to give you the best outcome without as much negativity, then put it into place. Start doing it and write it down so you know what to do next. Hopefully there won’t be a next time because you got rid of the stress. But like I said before, it’s good to have a plan so you don’t stress over the situation. If you constantly find yourself back in this situation then work on the next step which is changing your spending/making money habits.

The point is to get rid of the stress points. It’s not the lack of money that’s stressful, it’s the lack of a proper solution. Yes, the ultimate goal is to make more money but you can’t do that if you’re stressing out all of the time. Once you get rid of your stress points and have a plan for what to do when you’re running low on money, you’ll be able to focus on increasing your income.

How do you deal with stressful situations?


Comments (13)

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  • Guide To Not Stress Out When You Are Broke…

    Living paycheck to paycheck can be very stressful. You’re always wondering how you’re going to pay your next bill. I’ve been there and it sucks. Here’s a guide on how not to be stressed all of the time….

  • I take action! To me, stress is when things or a situation is out of control. I try to keep in control of a situation, it is all about what choices I make.

    • Taking control does help the situation

  • You make some great points, and I agree with you 100% Although I find it hard to not stress when something doesn’t go according to plan, I try to funnel my energy into finding a solution instead of wallowing in the “why did this happen?”

    • That’s a great use of energy

  • I try to calm myself down (because I usually always freak out) and plan accordingly. Bust out the trusty calculator and make it work. I’m hoping with online income I can make it work and not have to live paycheck to paycheck.

    • I’m sure you’ll do great. You have a lot of drive.

  • The good thing about being broke is that you get absolutely AMPED to get out of your situation, pay off your debt, and make some money!

    • And every one likes more money!

  • Nice post.. I think the best way to avoid stress is to plan ahead, like you said. If I’m not prepared for something I always get stressed out, so I always like to be prepared as possible. Anyone that is tight on money should follow this advice. Thanks for posting!

  • It seems like one of the easiest things to do in America is to frankly make money! There’s no end of things one can do, and it’s all about focus and longevity.

    This is what makes the USA great. The freedom to do well if you want to.

    Cheers, Sam

  • Have you ever wondered why there are a lot of people who do so much stuff even if they were already too tired working? It’s because of their financial responsibilities which includes a lot of bills to pay and food groceries to have for the entire month, much more budget is needed to have if you have a lot of kids.


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