First of all, if you're going to tackle your money worries, you need to understand their impact on your life. You don't necessarily need to have huge debts to be affected by financial uncertainty.
Sometimes it's just that feeling of always having "a little too much month at the end of the money", or wishing you had more going spare to buy nice things for the kids or save for a rainy day.
Whatever your financial situation, "uncertainty and worry makes you anxious, and that fires the survival instinct that humans developed back when we were hunter-gatherers," explains Kim Stephenson, an Occupational Psychologist, former financial advisor, and author of Taming The Pound.
Of course, your instinctive 'fight, flight or freeze' response isn't so useful when it comes to paying off your overdraft or dealing with a final demand from the gasman. "You worry about the money, the worry itself reduces your ability to think clearly, so it's a vicious cycle where the worry continues and potentially increases," Kim says.