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Top 15 Life Stressors

Stress is something that affects a lot of people. There is not a race, a gender, or an age that is immune to stress. The pressure from the world around you will put emotional strain on your body and lead you to become very upset or disturbed. Stress is the reaction to certain circumstances to which you are not happy with or uncomfortable with.

Stress can also lead to a lot of physical strain such as fast heartbeats to major headaches. On the emotional side of the effects, there can be tensions, an inability to concentrate, and a lot of irritability. No matter how hard you try, it is virtually impossible to go through life without ending up with some amount of stress from time to time. The key though is to at least try to limit the amount of stress you have to face.

While there are such things as good stress, given in small doses, they are far and few between. A little bit of stress to push someone to do better in life or with his or her grades at school could be considered a good stress. But anything that causes a personal extreme mental, emotional, or physical pain is not something that should be looked upon in a good light.

15 Causes Of Stress

When it comes to stress, it can sneak up on you when you least expect it. In order to be a prepared as possible, it is a good idea to make sure that you at least have an idea of the most common things that cause problems with stress in people.

Spouse's Death: This is not something that anyone can really prepare for emotionally and mentally as most of the time, the death is sudden. What you can do though is to prepare as much as possible financially. If you depend on the income of your spouse then look into life insurance policies and work on getting out of debt.

Divorce: While some people have known that they were heading down the road of divorce, others never saw it coming. This affects both parties usually as there are going to be not just a lot of bills, but a lot of attorney fees as well. Prenuptial agreements could very well help to lower the amount of financial stress from the situation.

Marriage Separation: While some people believe that the separation is more of an emotional stress then anything else, it can also put a lot of financial strain on the couple. There are now two households instead of one and usually not double the income.

Jail Time: Whether it is you, your spouse, or one of your adult children this can be a very stressful time in a person's life. If you will not be personally bailing the person out, it really does not tie up a lot of your money but the emotional stress can be overwhelming for some people.

Death Of Family: Many people fall into financial trouble when a family member dies because of improper life insurance coverage. Funeral expenses can run anywhere from five to ten thousand dollars on average. This is a big financial burden, not to mention the emotional stress that a person goes through with such a traumatic event.

Illness Or Injury: If you or your spouse become ill or injured to the point that work is being missed, there will be financial strain. Even though there is generally some sort of coverage through work, it is typically only a percentage of the person's normal wage. For those living paycheck-to-paycheck this could mean trouble.

Marriage: Even though this is typically a time of love and celebration, it often brings a lot of stress to the happy couple. Weddings are usually not cheap and unless the husband and wife to have saved over the past several years, there is going to be a little strain. Planning all of the details, from the vows to the place settings can be a little much for any one person to try to handle on their own.

Loss Of Employment: Being fired or laid off from a job can cause a person to go through a period of not feeling as though he or she is worth much. Of course, there is the sudden and most unexpected realization that there is now no money coming into the home.

Marriage Reconciliation: This is something that is generally more emotionally stressful then financially stressful. That is of course unless one party went credit card crazy during the separation. Working things out and beginning to trust each other and the relationship all over again can be a lot to work through.

Buying A New Home: This is something that a lot of people celebrate but it generally ends up costing people more then they are prepared for. Closing costs never seem to stay the same and some people find that they have to struggle for additional funds just days prior to the closing.

Sending Children Off To College: For many people, especially mothers, sending children off to college can be a hard thing to do. The empty nest syndrome usually kicks in but it doesn't normally last for very long. If there was proper planning, savings, grants, and student loans being taken advantage of, it should not be too stressful financially.

Elderly Parents Moving In: This is a situation that often times puts a lot of emotional stress on the relationship of the husband and wife that are taking in the elderly parent. Financially, it normally is not that much of a big deal.

Adoption: With so much paperwork to be done and so many fees to pay, adoption can be both a scary and rewarding experience.

Custody Issues: Whether you are currently, once was, or was never married to the other parent of your child, there may come a point where you are forced to face custody issues. The attorney fees that come from situations such as these could range anywhere from a couple hundred dollars to tens of thousands.

Retirement: Even though this is something that many people look forward to, there is always the worry as to whether or not there is enough money to be able to retire as planned.

In order to make sure that you are prepared to handle just about anything thrown your way, you will want to be financially ready. Have money in the back and have all of your debts, such as credit cards, personal loans, and car loans paid off. The more financially ready you are, the less you will be emotionally stressed by a lot of the situations. l