When Money Worry Won’t Switch Off
For the nights the numbers keep circling and nothing gets decided. It turns the vague dread into facts, one next step and a time to stop, so the worry has somewhere to go besides 3 am.
Money · Money · Worry · 8 items · whenever you need it
The checklist
- Write the actual number down — A known figure is easier to face than the one your head keeps rounding up.
- Separate this week from this year — Most money dread is a far-off problem borrowing tonight’s attention.
- Name the very next step — One call, one form, one email; not the whole way out.
- Give it a slot tomorrow — Worry lets go a little once it has an appointment.
- Find out what help exists — Payment plans, hardship terms and free advice lines are more common than people think.
- Tell one person the real picture — Money worry gets heavier in private than it ever is out loud.
- Stop checking the balance tonight — Looking again after hours changes nothing and costs you the sleep.
- Do one kind ordinary thing — Tea, a shower, a walk; being broke is not a reason to go without comfort.
Use this checklist Free account: tick items off and keep each day's record.
How to use it
Run through it whenever you need it, honestly and without scoring yourself. A checklist is a way of noticing, not a test: an item you cannot tick is information about the day, not a verdict on you. Over a few weeks the pattern of what gets ticked and what does not says more than any single pass.
With a free Theraglee account the checklist remembers each pass, so you can look back. Without one, you can still read it here and keep your own copy.