Payday is the date we all circle on the calendar and wait for all month. For some people it’s the best day, for others it brings a knot of stress in the stomach.

According to Virgin Money, payday anxiety is the stress, nervousness and worry that shows up in the days leading up to payday.

It’s common, especially if you’re living salary to salary or dealing with money worries. Here are five strategies that can help make payday feel a little lighter:

1. Create a budget

Making a budget gives you a plan and stops overspending. List your fixed costs first, like rent, utilities, and transport. Then set amounts for the variable stuff like groceries, entertainment, and clothes so you know what’s left.

2. Set financial goals

Having goals can make you feel more in control. It could be building an emergency fund, paying off debt, or starting to invest. Break bigger goals into smaller steps and give yourself credit when you hit them.

3. Automate your finances

Set it and forget it. Automate your bill payments and savings transfers so you don’t have to chase due dates or risk late fees and overdrafts. One less thing to worry about each month.

4. Practice self-care

Money stress takes a toll, so look after your mental health too. Move your body, try meditation, or spend time with people who make you feel good. Small resets help when anxiety spikes.

5. Seek professional help

If payday anxiety keeps coming back, talking to someone helps. A financial advisor can help you get your money organised, and a therapist can help you manage the worry that comes with it.

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