What does money and financial security have to do with our health and wellbeing? A lot.
We believe the area of finances is one of the 12 main areas we must give attention to in order to maintain robust health. It’s one of the “12 Spots on the Peacock’s Tail”. http://www.bluepeacockhealth.com.au/12spots

Abraham Maslow, an American psychologist, created Maslow’s Hierarchy of Needs in 1943. He proposed that humans must satisfy lower level needs before they will be motivated to satisfy higher level needs. The second level of needs, Safety, encompasses financial needs, as seen in the diagram below:

“Maslow’s hierarchy of needs” by J. Finkelstein –  I created this work using Inkscape.. Licensed under CC BY-SA 3.0 via Wikimedia Commons –https://commons.wikimedia.org/wiki/File:Maslow%27s_hierarchy_of_needs.svg#/media/File:Maslow%27s_hierarchy_of_needs.svg

Sometimes life throws us challenges in the area of our finances, causing stress.
Here are some of the common financial causes of stress:

  • Inability to pay your bills
  • Lack of knowledge about saving, budgeting and investing
  • Spending more than you are earning
  • Lack of disposable income
  • Not enough money to spend on little luxuries
  • Lack of a financial plan for the short term, medium term, and long term
  • Unemployment
  • Redundancy
  • Death of a family member
  • Divorce
  • Illness

Have you experienced some others?

Stress can lead to chronic diseases such as obesity, heart conditions, stroke, high blood pressure, depression, anxiety, headaches, migraines, gastrointestinal conditions, auto-immune disorders and poor sleep. Additionally, financial stress can cause relationship conflicts, poor work performance, low self- esteem, low confidence plus much more.
In order to prevent the above conditions, we need to spend some of our time addressing our financial matters regularly.
If we create a clear picture of :
(1) how much we need to feel contented,
(2) how much we need to pay the necessary bills, and
(3) how much we need to live the lifestyle we prefer, we can then work towards a plan to achieve our financial goals.

Lack of clarity, not knowing actually how much we need to cover the basics, being undecided about what is enough and what will bring us contentment, and being unclear about what kind of lifestyle we truly desire makes the task more difficult and muddies the water.

If you feel you are ready to polish up the area of your finances, take a look at the ACTION activity below. You will feel more in-control and on top of things, which will reduce your stress levels, leading to better health and wellbeing.


  • Reflect: What does financial contentment mean for you?
  • Reflect: What does financial security mean to you?
  • Write down: What do you want or need to achieve financial contentment and security?
  • Write down your short-term financial goals (6-12 months)
  • Write down your long-term financial goals (1-5 years)
  • Plan ahead to spend some time regularly on financial matters. Diarise a regular time slot. Spend that time checking how you are going on your goals, and make any necessary adjustments.

Yours in wellness, Debra