La relación con el dinero


Whether we like it or not, money exists and it is the tool that allows us to exchange goods and services since it was considered more efficient than barter or direct exchange. Therefore, reviewing our relationship with money is important because it affects many aspects of our lives.

Among other things, when we do not have a good relationship with money we can suffer financial stress from economic problems. Unfortunately, it is very common in today’s society, especially during economic uncertainty or personal difficulties regarding money.

A bad relationship with money can have serious consequences on people’s physical and mental health. Anxiety and excessive worry about money can cause sleep problems, fatigue, headaches, gastrointestinal problems, memory and concentration problems, and even depression. It also affects behavior and quality of life.

It is important to note that financial stress can affect anyone, regardless of their level of income or wealth. It is not just a matter of having enough money, but of feeling secure and comfortable with one’s financial situation.


Knowing this is not always easy, because each person has a different context. Even so, there are some indicators that can help us detect if we are having financial problems and if they are affecting our relationship with money: 

Living up to date

If you live paycheck to paycheck and are unable to cover your basic expenses, you may have a bad relationship with money. Having difficulty paying your bills is a sign that you are not managing your finances effectively.

High debts

If you have accumulated debts, especially those that do not allow you to pay them in full each month, you may have a bad relationship with money. Debt can be a sign of inadequate budgeting, and overspending, but it can also be a sign of insufficient income.

Not having a budget

If you don’t measure what you can spend, you may not have a good understanding of your income and expenses. If you don’t have one, you may spend money on unnecessary things or you may not be able to save for emergencies or long-term financial goals.

No savings

Not having them or not being able to afford to cover unforeseen expenses, you may have a bad relationship with money. Having an emergency fund is important to help you cope with unforeseen situations, such as job loss or a medical emergency.

Feeling anxious or stressed about money

Do you feel anxious and/or stressed about money? Anxiety can prevent you from making good financial decisions or lead you to make impulsive financial decisions.

Buying things you don’t need or can’t afford

It can be an indication of having a bad relationship with money, as impulse purchases can prevent you from reaching your long-term financial goals and contribute to debt accumulation.


1. Establish a budget

It will help you control your expenses and plan your income effectively. It is important to be realistic when setting your budget and make sure it is balanced so that you can save and enjoy your income.

2. Saving for emergencies

It will allow you to be prepared for any eventuality. The goal is to have at least three to six months of expenses covered in your emergency fund.

3. Avoid unnecessary debt

Such as credit cards or personal loans, for example. If you decide to use a credit card, be sure to pay the balance in full each month to avoid interest charges.

4. Reduce your expenses

This is one of the best ways to save money. Analyze your expenses and ask yourself if you really need what you are buying. Look for ways to reduce your expenses without sacrificing your quality of life.

5. Invest in yourself

Education, skills, and knowledge. It makes you more aware of what it costs to generate money and how rewarding it is when you dedicate it to something that does you good and fulfills you.

6. Do not compare yourself with other people in terms of income or expenses

Each person has his or her own financial situation and goals. Focus on your own progress instead of comparing yourself to others.

7. Learning about personal finance

Develop a solid understanding of how money works. There are many sources of information available, such as books, online courses, and educational videos.

8. Being aware of emotions

Money can generate many emotions, from anxiety to happiness. It is important to be aware of them and understand how they can influence your decisions. Learn how to manage them effectively.

9. Be grateful

Learn to appreciate your income, savings, and quality of life. Gratitude will allow you to focus on the positive and be more motivated to continue improving your financial situation.