Sit down and make a list of what you’re grateful for. It’s hard to feel anxious or scared while focusing on feelings of gratitude. Think about someone you appreciate, then, take a moment in your heart to feel appreciation for them. If you choose to, tell him or her. You’ll be surprised by the new energy you bring back to solving money issues by cultivating gratitude and expressing appreciation.

Approach your financial problems more objectively. If you were going to give advice to a person who was in a similar situation, what would it be? Stepping outside yourself enables you to see things more dispassionately, without being as invested in the outcome.

Shift your focus. Stop and remember the basic conveniences and luxuries you may take for granted. Much of the world lives in poverty and while it may sound simplistic, when we stop to think about someone much less fortunate, it puts our financial situations in a larger wholeness perspective.

Get to the heart of the matter. If you feel like you’re in an endless cycle of worry and angst, try the Cut-Thru® technique to help gradually release the accumulated anxiety caused by financial stress. To gain some immediate relief, you don’t need to sort through all the details of the issues you’re facing; simply address the perceptions, feelings and thoughts that come up while using this technique.

Don’t over-saturate yourself with bad news about the economy. While staying informed is important, taking in so much disturbing news day after day, can lead to a growing sense of pessimism. Try to watch or read the financial news without getting lost in a negative mindset and look for stories that help stimulate more creative, optimistic thinking about money.

Take advantage of new technology. You may already use a sophisticated computer program to manage your personal and professional finances, but did you know there’s innovative stress reduction software available that can save you from the emotional drain of stress, too? Much like cell phones, PDA’s and mp3 players make life easier and more enjoyable, there are handheld biofeedback devices that help you relieve stress. Why not use the latest digital tools to improve your quality of life?

Don’t keep everything to yourself. Reach out to a friend who can help you gain a clearer perspective, but not necessarily one who will simply add drama to your situation. Or find an expert you can talk to about your money issues who is knowledgeable and unbiased. Financial advisors and credit counselors can help take off some of the pressure and there are many free resources for financial advice.

Give some money away. It doesn’t matter how much. Whatever the amount, giving to someone in need or to a cause or charity you feel aligned with takes you out of self-centeredness and focuses compassion and caring on someone else. Knowing you have enough to share builds your own sense of personal empowerment.

Don’t punish yourself with blame or shame. Having financial difficulties does not equate to failure. Some times the circumstances are beyond your control. Freeing yourself from these disapproving feelings enhances your perception and intuition, allowing you to think better and more clearly. Despite a sense that things may always be this way, your current condition is not permanent. Change is constant and that includes your finances. 

While money issues are real, they don’t have to destroy you. Letting go of stress, even for just a few minutes at a time, can lead towards fresh ideas and new solutions. If you’re looking for greater prosperity and peace of mind, reducing stress is a risk-free financial strategy.

The Institute of HeartMath is an internationally recognized nonprofit research and education organization dedicated to helping people reduce stress, self-regulate emotions and build energy and resilience for healthy, happy lives. HeartMath tools, technology and training teach people to rely on the intelligence of their hearts in concert with their minds at home, school, work and play.

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