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Talk It Out

Making progress doesn't mean you're no longer feeling weighed down. Kathleen Hall, founder of the Stress Institute, suggests setting up a time each week for everyone in a family to sit down and talk about finances.

If you have children, be honest about how you're feeling without scaring them, and challenge them to find creative ways to help save money. One child can be in charge of making sure the lights are off when no one is in a room; another can help look for coupons.

At a separate time, meet weekly with just your spouse.

Find Serenity
Every day, do something that makes you feel calm. It will help clear your mind and reset your brain. 

Make an effort to fit in some heart-pumping exercise, as well. You don't need to pay for gym membership—a run, some jumping jacks or a walk will do just fine.

The 8 steps to getting out of debt
25 ways to save money every day
Credit card, mortgage and student loan debt advice

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