Develop a Financial Reserve
Being prepared (with four to six month's living expenses) can help relieve financial anxiety. Save a set amount each paycheck by setting up an automatic, recurring transfer to your savings account. The fund will grow, and you may not even miss what you save each month.
Get Rid of High-Interest-Rate Credit Card Debt
If you are carrying over balances and paying interest, cut down on your card use, pay more than the monthly minimum or find a different credit card with a lower interest rate.