If you want to keep money-related stress under control, you have to start from assessing your current situation. Find an hour or two for that task. Get your notebook and write down all your income and expenses. Then, you have to accept that your income is probably not going to change drastically anytime soon. The only way to cope with causes of stress is to re-think your expenses and replace the most expensive ones with those more economic. Also, remember about writing down all home expenses!

The number of bills you have to pay may be surprisingly high, that's why it is a good idea to limit their number. When you have a clear picture on how you spend money, do all necessary cuts to find an additional hundred dollars a month to avoid cash flow problems. Cutting on restaurants, bars or boutiques may seem to be harsh, but it will save you a lot of nerves and allow you savor all other pleasures much more.

Cutting stress about money will also require creation of a special account where you will put some savings every week or month. Such account will make you much less stressed about the unexpected. Now you will have a special reserve that will let you deal with any unexpected financial problem. Taken together, limiting expenses, learning about your income and creating a financial reserve are able to minimize the money-related stress - without forcing you to increase your monthly income!