How to Handle the Stress from Financial Loss or Difficulty

Financial challenges aren’t merely a strain on the bank account; they deeply resonate with our emotional well-being. These feelings, while natural, need attention and care. Feeling worried about one’s financial situation is a natural response that has its roots in both evolutionary biology and the socio-cultural constructs of modern society.

From a biological standpoint, our brains are wired for survival. Historically, resources, be they food or shelter, equated to survival, and securing these resources was paramount. In contemporary society, money has become the primary resource for obtaining these essentials. When we perceive a threat to our financial security, our brain interprets this as a direct threat to our well-being. This triggers a cascade of stress hormones, like cortisol, leading to feelings of worry, unease, and anxiety. It’s the body’s primal way of saying, “We need to address this to stay safe.”

Engaging with a therapist during such times can be a significant step towards understanding, managing, and ultimately alleviating these emotional burdens.

Physical and Emotional Risks of Long-Term Financial Anxiety

Long-term worry about your financial situation can have profound emotional consequences. Chronic financial stress is not just an immediate concern but can become deeply embedded in your psyche, affecting various aspects of mental health. This anxiety isn’t just emotional; it can manifest physically through symptoms such as sleep disturbances, stomach issues, headaches, and a general feeling of being on edge. Financial strain can lead to chronic stress, which has long-term health implications if not addressed.

Unlike the regular stress we face daily, chronic stress lingers, seeping into every aspect of life and gradually wearing the body and mind down. If left unchecked, this can have serious health ramifications. It might lead to conditions like high blood pressure, heart disease, obesity, or diabetes. Moreover, the mental health implications, from depression to anxiety disorders, can be profound.

The perpetual concern about money and what the future holds can lead to feelings of hopelessness. Over time, these feelings can deepen, leading to a pervasive sense of worthlessness or even guilt, especially if one feels responsible for their financial situation. This continuous emotional weight can, in many cases, impact daily activities, dampen the joy derived from previously enjoyed activities, and strain personal relationships.

Alongside depression, the prolonged stress from financial concerns can blossom into full-fledged anxiety disorders. This isn’t just the typical worry we all experience but a more heightened, persistent anxiety that can interfere with daily life. It manifests in constant rumination, fear of the future, and even physical symptoms such as palpitations, shortness of breath, or digestive issues. This kind of sustained anxiety can significantly affect overall quality of life.

Moreover, the sustained worry can lead to feelings of isolation. The societal stigma attached to financial struggles or the personal choice to internalise the distress might cause individuals to withdraw from social interactions. This isolation can further exacerbate feelings of despair and loneliness.

Another emotional risk is the erosion of self-esteem and self-worth. In many societies, financial success is often equated with personal value or capability. Struggling with money might lead some to question their worth or abilities, leading to a diminished sense of self-confidence.

Lastly, the strain of chronic financial worry can lead to unhealthy coping mechanisms. To escape or numb the persistent anxiety and distress, some might turn to alcohol, drugs, or other maladaptive behaviours. These can provide temporary relief but often lead to additional problems in the long run.

Prolonged worry and distress about financial situations, or any chronic stressor, can also elevate the risk of experiencing suicidal thoughts or tendencies. The profound sense of hopelessness, especially when combined with other stressors or existing mental health challenges, can indeed lead some individuals to think about suicide as a way to escape their perceived insurmountable problems.

Addressing this emotional whirlwind is paramount, not just for immediate mental relief but for long-term physical health and well-being. It’s crucial to recognise that these emotional responses are natural given the circumstances, and seeking help, be it through counselling or other therapeutic avenues, can offer valuable tools and strategies to cope.

Why Seeking a Therapist Can Make a Difference

In times of financial difficulty, seeking the guidance of a therapist can be a transformative decision. More than just a sympathetic listener, a therapist creates a structured space for individuals to delve deep into their emotions, helping them understand the root of their feelings. They offer invaluable validation, ensuring individuals understand that their reactions are both natural and valid.

By offering a fresh perspective, therapists can guide individuals to distinguish between the tangible financial issues and the resulting emotional reactions, enabling a clearer view of the larger picture. Moreover, therapy arms individuals with effective coping strategies, from mindfulness techniques to cognitive restructuring, to navigate the turbulent emotions of anxiety, isolation, and despair.

Financial difficulties are undeniably challenging, but remember, emotional wellness plays a pivotal role in navigating these challenges. Seeking support, particularly from a therapist, can bring clarity and calmness to tumultuous feelings. So,

Contact Jeanne van den Bergh, psychosocial counsellor, and founder of Guidance to Grow, if you find the weight of financial worries heavy on your shoulders. It could be the helping hand you need on your journey to emotional equilibrium. Contact her as soon as possible to schedule a consultation and take the first step towards a happier, healthier life. You can overcome these obstacles and live a more fulfilling life with the proper support.

Read more:

Overcoming Self-Doubt: Building Self-Confidence and Resilience in Counseling

The Consequences of Ignoring Depression: Why It Shouldn’t Be Taken Lightly

Normalising Depression Symptoms in Midlife

Media contact: Cathlen Fourie, +27 82 222 9198,,

More about Guidance to Grow

Guidance to Grow is a South African-based therapeutic consultancy that provides professional counselling and life coaching services. Guidance to Grow, under leadership from Social Worker in Private Practice, Jeanne van den Bergh, has a focus on supporting individuals who are experiencing grief, bereavement, and trauma. They offer a range of services that are designed to help clients process and manage their emotions, including one-on-one counselling, group therapy, and workshops.

At Guidance to Grow, Jeanne takes a compassionate and personalised approach to each client’s unique needs. She works closely with clients to understand their challenges, provide guidance and support, and develop customised strategies to help them move forward and find a sense of peace and fulfillment.

Guidance to Grow’s commitment to providing exceptional therapeutic services has earned them a reputation as one of the most trusted and reliable counselling and life coaching providers in South Africa. If you or someone you know is struggling with grief, bereavement, or trauma, consider reaching out to Guidance to Grow for compassionate support and guidance.


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