Stress Beaters.
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exactly what you spend your money on each month - you will underestimate your expenses if you do not. Compare this with your income and work out the shortfall.
^k       Look at your major financial commitments. Can you get a cheaper mortgage, house insurance, or car loan? Can flexible budgets such as food and leisure be temporarily reduced?
Do not default on house payments. Most lenders will do all they can to avoid a mortgage default, so work out a temporary deal with them to enable you to stay where you are. Do everything you can to keep a roof over your head. Do not be afraid to include older children in discussions about the problem; you may be surprised at how amenable they are and how ready to accept it and help out.
Be prepared to lower your standard of living if necessary. This is no time to keep up with the Joneses. What matters now are you and your dependants, no one else.
Many people have found that by choosing to reduce their commitment to material things they are not only richer financially, but also have more time to enjoy life as they are not so busy trying to service their debts. Simplify, ration and above all take note of what is happening to your money.
Money causes stress, especially when there is not enough of it. Take a critical look at your finances. List all the ways to improve the situation, such as increasing income and reducing expenditure. Then act on it.

Flush tension away
Imagine you are lying on a quiet beach with warm sun on your face, feeling very relaxed. Now imagine your feelings after an argument with an irate driver or dissatisfied customer. You will harbour feelings of anger and resentment after confrontation or a stressful event far longer than feelings of relaxation. Stress plays on our mind and can lead to physical symptoms when the pressure becomes too great. We need to be able to release our tension and stress at the end of a bad day. I was reminded of this when talking to a patient who worked as a prostitute. She had been beaten up by a client and I helped to put her back together again. During the course of treatment I asked how she coped with her job. She said it was simple. At the end of each day (or night) she took half an hour to soak in the biggest, deepest bath she could find and imagined the day washing offher like dirt. When she came out of the bath she felt cleansed and ready to go to work again.
Anyone can have the benefit of such thinking. A similar technique was practised by a consultant psychiatrist I knew who before she went home imagined her day was flushed down a toilet, and with it went all the stress accumulated from seeing her patients. The trick is the same in both cases - picture your stress being taken off you in any way you like. The following are other techniques you might try:
If you travel to work, pick a landmark about a mile from your home. Imagine your work is in a bag there, and pick this bag up on your way to work. On the way home you drop the bag, with all the day's problems and stresses in it, back at its pick-up point, and travel the rest of the way having left work behind you. How you get to work does not matter; this technique can apply to anyone.

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