The 4 Most Common Money Worries

2 min

What are the most common financial topics people worry about and how does all the stress impact physical wellbeing? There’s no reason to dwell on the negative side of things, so the following listing looks at key areas of worry, how each one harms overall health and what can be done to address the problem.


One of the most common sources of financial stress is a lack of savings. People spend more sleepless nights over this aspect of their monetary life than any other, including high mortgages and credit card debt. Just a decade ago, the average married couple with one child had about $7,900 stashed away, not including retirement and college funds. Now, that number stands at about one-fifth of what it once was. Couples who have more than $1,500 in a designated account can consider themselves lucky.

Worrying about low or total lack of savings balances has been connected to long-term insomnia and ulcers in adults who are prone to worry about finances. One way to address the problem is to open a savings account and fund it with $50. Each week, add something to the account, even if you can only afford a few dollars. If you need to reset your budget to allow for more savings, do so as soon as possible. Studies have shown that stress levels significantly abate just by having a savings account with money in it.

Student Loans

People in mid-career who have the feeling that student loan debt is crushing them and preventing them from moving forward with financial goals sometimes think there’s no way out. In fact, most people can get a huge dose of monetary relief by refinancing their education debt. You end up with a more favorable interest rate, a longer repayment window and lower monthly payments. There’s no reason to let large student loans cause you to deprive yourself of a normal life. It’s actually rather common, doctors say, for people with high education debt to cut back on necessities like health insurance, quality food and proper recreation. Refinancing from this site can be the answer.


There are two kinds of job worrying. One pertains to the lack of a job and the other is about being unhappy in your current one. Both can lead to severe stress headaches and migraines, the most common result of job unhappiness, according to experts. To rectify the situation, speak with a career counselor to find a new line of work. If you’re unemployed, the counselor can help you make an action plan for finding work as soon as possible.


Adults have been losing sleep over bills for centuries. Nowadays, that lost sleep tends to take the form of bad habits like not keeping regular hours, full-blown insomnia and falling asleep at work. In many cases, the best route is consumer debt counseling. For a small fee, you can access professional tools and advice that will help put your finances back on track. Don’t make the mistake of thinking your problems are unique or can’t be resolved. Financial counselors have seen it all, and they know exactly how to help people who feel buried in bills.

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