The Stress Audit

Purpose / Reason
Identify specific triggers and develop coping strategies for each.
Answer to: “How do I manage stress from constant financial pressure?”

How to Apply

1. Note time/place of stress spikes for 3 days.
2. Score intensity (0–10); note trigger and body cue.
3. Add one counter‑move (walk, call, breath) next to each.
4. Run one counter‑move daily; review patterns weekly.

How & Why It Works

• Externalizing facts reduces cognitive load and catastrophizing; it makes decisions simpler.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity