Book Online Counselling and Treatment for Financial Stress

Consultation with verified Financial Stress counsellor on Zoom / Google Meet.
They say money can't buy happiness, but we all surely need it to survive. The world runs on bills, which explains why most people, once in a while, feel stressed about their financial situation. The Covid pandemic has made this situation worse. According to a survey done in India by Refyne, "more than 70% of respondents found it difficult to meet all their expenses with their monthly salary".
Extreme stress affecting your day-to-day life can be problematic. It can damage your self-esteem and relationships. It can cause physical symptoms like headaches and stomach aches. Extreme stress has even been linked to heart attacks.
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Ms Mouna Sridhar

Counselling Psychologist
4 years of experience
Hi! I'm Mouna, a Counselling Psychologist with an experience of facilitating 4000+ Counselling sessions. Having completed my Masters in Counselling Psychology, with additional training to work with couples and families, I have a strong academic background and I am keen on expanding my horizon as a therapist. In my practice, I work with a diverse range of concerns including grief, relationships (individuals/couples), attachment issues, dysfunctional family dynamics, parenting, trauma, anxiety, depression, substance abuse, academics, career, workplace challenges, self-esteem, emotional regulation, self-development. As a Relational therapist, I strongly believe an individual's relationship with their environment and people around them plays a key role in shaping one's daily experiences. Keeping this in mind, I strive to model a safe and supportive relationship in the therapeutic space. While I am rooted to viewing the individual's narratives through a Systemic lens, I adopt an eclectic approach in my practice. I proactively aim to hold a space that fosters self-awareness and empowers individuals to lead fulfilling lives. Personally, I am intrigued by the unique stories and vast life experiences each of us have. This pushes me to bring my own human-ness to the sessions, thus establishing a profound connection with the client in therapy. If you think this fits in with your needs, I invite you to begin therapy with me :)
Tomorrow, 15 Sep, 10:00 am IST
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Ms Celina Daniel Satyanadan

Counselling Psychologist
1 years of experience
Hi, I am Celina — a Counselling Psychologist who believes therapy doesn’t have to be stiff, serious, or filled with confusing jargon. I know life gets messy, and humans are beautifully complicated. That’s why I don’t believe in a one-size-fits-all approach. I work with adults aged between 18 to 40 navigating anxiety, depression, overthinking, burnout, relationship struggles, grief, identity confusion, and everything in between. I use an eclectic approach — no rigid formulas, no therapy jargon overload. I shape each session around what you need, using a mix of helpful evidence-based tools like CBT, DBT, and trauma-informed techniques. I’m fluent in English and Hindi, understand Marathi, and most importantly — I speak Human. I offer a space that’s safe, warm, judgment-free, and deeply human. A space where you can feel your feelings (even the inconvenient ones), and slowly build a life that feels like yours again. I’ll walk with you, share practical tools, and maybe even a metaphor or a bad pun because healing can be hard, but it doesn’t have to be boring. You’re not a problem to be solved. You’re a story still being written. For me, therapy is about co-writing that story with you: revisiting old chapters, editing the messy middle, and making sense of the plot twists.
Tomorrow, 15 Sep, 01:00 pm IST
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FAQs

Mental Health Care for Money Issues

Financial stress is a condition caused by financial or money-related issues that create anxiety, worry, or a sense of scarcity. If this stress is severe, you might experience negative effects on your mental health and potentially even your physical health. When you cannot provide for yourself or people dependent on you, it can hurt your self-esteem. You may feel worthless, weak, and angry. You may start to get irritated easily and argue with your close ones. Individuals who are in financial distress are also more likely to suffer from depression, alcoholism, drug addiction, psychotic issues, and suicide than those who are not.
Recent times have not been kind. Stress related to money has risen since the rise of COVID as the whole world went under lockdown. Many have lost their jobs, and many businesses that were not available online took a hit. It may seem overwhelming, but there are many ways you can deal with your money issues and get back on track. However, if your mental health is not in good shape, you may have trouble overcoming finance-related issues. If you are stressed due to your income, you might consider seeking a counseling session with a therapist.

Major Causes

Here are a few of the biggest reasons a person might experience this ailment:
  • Unemployment or unstable Income
  • Large unexpected expenses such as medical bills or car repairs
  • Divorce can cause financial distress for both parties
  • Failure to adequately manage your finances, like not paying credit card bills on time
  • Paying a large mortgage or rent
  • Paying for education
  • Wanting a nicer lifestyle
  • Being in debt can create financial distress

Common Signs

Some common signs and symptoms include:
  • Insomnia and other sleep-related difficulties
  • Change in weight
  • Being depressed, anxious, and having panic attacks
  • Relationships troubles with partners or family members
  • Social withdrawal
  • Frequent headaches, gastrointestinal problems, diabetes, high blood pressure, etc
  • Indulging in activities that numb your mind, such as drinking too much, abusing prescription or illegal drugs, gambling, or overeating.
If you are facing or experiencing such symptoms, you may need professional help.

How it Might Affect Your Life

Severe financial distress can affect your day-to-day life, from increasing your debt to ruining your relationships. It can lead to:
  • Feeling Trapped - A cyclical relationship between financial concerns and mental health conditions such as depression and substance misuse has been observed. As financial distress can cause stress and other mental health ailments, it hampers your work performance, energy levels, and the way you handle your budget. Poor work performance may result in unemployment. This may aggravate your stress, trapping you in a vicious cycle of never-ending financial difficulties and deteriorating mental health.

  • Avoiding Health Care - People under such stress often try to avoid spending money on their health. They may avoid going to a doctor because they believe that diagnostic tests and following a treatment plan can be expensive and may hurt their budget. Some may postpone or avoid much-needed surgeries or medical treatments.Similarly, if you are suffering from stress you may decide not to spend money on therapy. This is an appropriate response if it's a minor issue but can be a detrimental decision if you are suffering from severe stress. Ignoring it may cost you in the future.

  • Poor physical health - A little bit of stress doesn't hurt anyone. However, ongoing stress can cause migraines, cardiovascular disease, diabetes, sleep difficulties, and other health concerns. Our immune systems are compromised, and we get sick more often. Our bodies do not have time to recuperate when we are constantly stressed. Your symptoms may flare up if you already have a chronic medical condition. Recent studies have shown that prolonged stress may increase the chance of heart attack by thirteen times.

  • Unhealthy coping method - If you have financial distress, it is possible you are anxious and overwhelmed. You may get easily irritated, especially when someone talks about money. This can cause you to seek comfort in things that might give you temporary highs. To counter your sadness, you might self-medicate with alcohol, abuse prescription or illegal drugs, turn to gambling, or overeat as a coping mechanism.

  • Poor Money Management - These feelings can have a detrimental impact on your financial decisions. It can lead to overspending or underspending. Individuals may find pleasure in "retail therapy," aimlessly spending on non-essential things, or in restricting their spending to the point where they forego necessities, such as limiting their food

How to Recover

This condition can severely affect the quality of your life. But there are some tips and treatment options for it. This can include counseling, practicing mindfulness, or consultation with an expert.
Here're a few steps that may help with it:
  • Share your feelings with someone - People tend to bottle it up and try to figure out everything on their own. Finance is not a taboo subject. You can and should share it with your loved ones or friends, even if they can not help. It may feel awkward to disclose these issues to someone, but venting out can be good for reducing stress.

  • Seek professional help - Get professional advice from organizations that offer financial advice and consultancy. They can help you find a job, claim financial aid, or provide strategies to pay off the debt. It is always a good idea because they can help you figure out your next step. When you are aware of the next step, your mind stops wandering. Reaching out is not a sign of weakness but of strength.

  • Side Hustle - Create an extra source of income. It can be as small as an online blog or as big as working a second job on the weekend. This way, you will have some extra cash and feel safer. Use this extra cash to pay debts or save for emergencies.

  • Practice Money Mindfulness - Money mindfulness is just a fancy way of saying "being aware of your financial decisions." Refrain from spending on things that are not a necessity. Take three deep breaths before making any financial decision, which helps bring awareness.

  • Make a plan - Make a list of the financial struggles that most concern you. Take baby steps to tackle each problem, so you don't overwhelm yourself. Write down what you can start doing today or this week that can get you on track to financial stability. For example, start paying the smallest bills and debts and eventually move on to bigger ones. Or, try making a budget plan, only spending on necessities for a week or a month.

  • Self-care - Maintaining a healthy lifestyle is critical for stress management. Try to exercise for 30 minutes per day. This benefits both your mental and physical wellness. Walking is an excellent way to exercise while also relieving tension. Make time to unwind. Though stress due to income might be overwhelming, keep in mind that there are options available to assist you in managing both your stress and your finances. Take some time to relax, meditate, participate in an enjoyable activity, and interact with people.

Get Treatment From a Licensed Therapist Who's Right For You

You might think spending money on therapy when in financial distress is not a good idea. But therapy can help alleviate the symptoms and may even help eliminate the financial burdens themselves. Therapy can help people evaluate whether their spending habits are unhealthy or not. At Docvita, we have a team of expert therapists with years of experience dealing with such conditions. They provide online therapy for financial stress with compassion and can help guide you toward a better future.

Schedule a Virtual Psychotherapy Appointment with a Counsellor Today

From the comfort of your home, you can instantly schedule an appointment with an expert counselor who has years of experience dealing with people suffering from financial stress. Browse through various therapists and book online therapy for financial distress. Get ready to feel better with Docvita.