1. MANAGE YOUR STATE OF MIND FOR EVERYONE

The best place to start is with your own morale. Here are seven ways to stay steady and strong no matter what comes your way:

Stay informed. It’s tempting to ignore all the bad economic news, but blissful ignorance can turn into nagging anxiety as the weeks tick by. So follow the news, but be smart about it.  Select and stick with several well-researched and balanced media outlets—like a few reputable Web sites that can give you up-to-date information. Spend about 15 minutes per day on this, 30 minutes at the most. Remember, you want to stay informed on issues that matter. You don’t want to get lost in an informational sinkhole.

Get clear on your financial situation. If you’re stressed because you don’t have a full grasp of your financial situation, take matters into your own hands. Start by putting together a comprehensive list of all your savings and investments. (You might need to call a banker, broker, or advisor for current figures.) Next, write down all the questions that come to mind as you review your situation and think about your short- and long-term future. Then start reaching out to people who can provide answers. Your questions are likely to be wide-ranging, so you’ll probably have to contact a number of people: perhaps a rep at your bank, an HR person at work, your investment advisor, your insurance agent, and so on. As you turn your worries into questions and your questions into answers, you’ll gain a new sense of confidence.

Work out your stress. According to a recent survey by the American Psychological Association, 53 percent of respondents said they’re feeling more fatigued due to worries over the economy in general and their financial situation in particular. Half of people are having trouble sleeping, and 47 percent are reporting headaches. All that stress is building up with nowhere to go. The solution is to create a positive outlet in the form of physical exercise. There’s much you can do regardless of your current fitness level.



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