In today’s world, money is more than just a medium of exchange—it deeply affects how we feel, think, and function. Whether it's the stress of meeting monthly bills, managing debts, or planning for the future, financial concerns can weigh heavily on our minds and impact our emotional well-being.

This assessment designed to help you explore how your finances may be influencing your mental and emotional state. 

By identifying your current state, you can take proactive steps toward better financial and emotional health. This is not a diagnostic tool but a helpful first step in understanding your financial mindset and taking control of your money-related stress.

Am I Financially Anxious? 

Rarely

Sometimes

Often 

I feel anxious when I think about my financial situation.

Often

I avoid opening bills, bank messages, or checking account balances.

I find it hard to sleep due to worries about money.

I feel overwhelmed by debt or loan obligations.

I delay or avoid making necessary purchases because of financial fear.

I feel tense or irritable when discussing finances.

I worry that I will not be able to afford basic necessities in the future.

I feel guilty or ashamed after spending money.

I constantly think about ways to manage or increase my income.

Rarely 

I compare my financial situation with others and feel inadequate.

You may occasionally feel concerned about your financial situation, but it does not significantly affect your daily functioning or emotional well-being. You likely have healthy coping mechanisms and feel relatively in control of your finances.

You experience noticeable stress related to your finances. This may include worry, difficulty making decisions about money, or feeling overwhelmed at times. While manageable, this anxiety can affect your relationships, work productivity, or sleep patterns if not addressed. Preventive steps such as budgeting or financial education can be highly beneficial.

MODERATE

Financial concerns are likely a major source of ongoing stress in your life. You may experience avoidance behaviors (e.g., ignoring bills), emotional distress, or persistent worry about financial security. This level of anxiety can affect physical and mental health, and you may benefit from seeking support—such as professional financial or mental health counseling—to regain control and peace of mind.

HIGH

Am I Financially Anxious?

Brilliantly

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