Financial Stress Assessment

I worry about money even when my finances are stable.

Financial decisions keep me up at night.

I feel a sense of dread when I think about my financial future.

I avoid opening bank statements or financial emails.

I make impulsive purchases when I'm stressed or emotional.

I find it difficult to stick to a budget even when I want to.

I delay financial decisions (investments, insurance, planning) even when I know I should act.

I feel guilty after spending money, even on necessities.

Money is a source of tension in my closest relationships.

I find it difficult to talk openly about money with people I trust.

I compare my financial situation to others and feel inadequate.

I feel alone in dealing with my financial stress.

I feel like I work hard but never get ahead financially.

My financial stress affects my performance at work.

I feel pressure to appear more financially successful than I am.

I have difficulty asking for what I'm worth (raises, fees, rates).

Financial stress affects my physical health (headaches, tension, fatigue).

I experience anxiety or depression that I connect to money concerns.

Financial worry affects my ability to be present with family or friends.

I use food, alcohol, shopping, or other behaviors to cope with financial stress.