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How to Stop Worrying

When I am anxious it is because I am living in the future. When I am depressed it is because I am living in the past.

Hello.  My name is Dena and I’m a recovering worrier.  I’ve been a “worrier” since I was a little girl.  Worrying came naturally to me. 

When I was in preschool I was at the top of my class in terms of intellectual development, but even then I was anxious.  As I grew up, so did my anxiety. All the while, my worrying was applauded.  At school being a worrier made me a conscientious student (always straight A’s).  At home being a worrier made me a good big sister. 

When a child’s actions are applauded and met with positive reinforcement, the child will work even harder to obtain the desired outcome. In my case, the desired outcome was worry.

Like all good little girls, I wanted to make everyone happy.  And so I did what made my teachers and parents happy—I worried & I worried & I worried.  My anxiety manifested itself in many forms. I woke up with knots in my stomach.  I developed a startling preoccupation with the whereabouts of my younger sister.  I escaped to the school nurse’s office & cried hysterically until I was sent home because I didn’t know all of the answers on a science test.  

No one ever told me to stop.  I was a good daughter and a good student.  Why would anyone tell me to stop?

A WORSENING SCENARIO

As I got older & life became more complex, so did my worries.  I worried about my parents a great deal—their marriage, their finances, etc.  I worried about the state of the world.  I worried about my future.  My worry was often accompanied by disappointment.  I grew to hate myself because I wasn’t perfect.  Straight A’s were not good enough, I wanted straight A+’s.  When I entered high school, I began a half-lifelong battle with obesity.  Eventually, as it usually does, my anxiety turned into depression.  

My mind was in a near-constant state of negativity.  When I wasn’t worried about the future, I was beating myself up about my past.  Inside, I was a wreck.  I know that this is a sad story, but for me, there is a happy ending.  In my later teens, I began practicing the principles of Cognitive Behavioral Therapy (CBT) which would eventually save my life.  For many—maybe for you—the happy ending hasn’t come yet. The depression & anxiety still reign.  The good news is that there is hope.  

I started this post by introducing myself as Dena, a recovering worrier.  I describe myself this way because like alcoholism, worrying is not something that you just overcome.  An alcoholic is an alcoholic until the day he dies—whether two weeks clean or two decades clean.  Likewise, a worrier is always a worrier until the day she dies—even when she has the tools to stop worrying temporarily.  If you are a worrier by nature, this post will not change that; but what it will do is give you some tools to stop worrying and to get your anxiety under control.

THE MOST USELESS EMOTION

If you are driven by common sense then perhaps understanding that worrying is completely useless will be the thing that makes you stop.

Why is worry completely useless?  Because anyone who spends a great deal of time willfully worrying is rightly stupid.  Would you agree that a person who deliberately spends a great deal of time & energy banging her head against a wall for no good reason is stupid? What about a person who tries the same thing over & over again and expects different results? Worry is just as useless as these stupid activities are.

Back when I was a full-blown worrier, I would get insulted when someone said that worrying was useless.  Worrying was such a huge part of me, that calling it useless was like calling me useless.  After all, I spent a great deal of my life worrying!  I would adamantly defend my worrying. Worrying makes me a good person.  Worrying makes me a good student.  Of course, I realize now that this was completely insane but I couldn’t see it then.

All of those carefully crafted defenses were nothing more than excuses.  There is not one factual reason in the world that explains why worry is a good thing.  If you are being stubborn and refuse to accept what I am telling you, let’s look at some examples:

1.  You are a student and you worried about an upcoming test.  What is the purpose of your worrying?  Does the worry benefit you somehow?  Will it help you perform better on the test?  No, of course not.   

2.  Your spouse is late coming home from work.  You are worried that your spouse is having an affair.  What is the purpose of your worrying?  Does the worry benefit you somehow? No, of course not.

3.  Your company is in financial turmoil.  Layoffs are imminent.  You are sick with worry.  What is the purpose of your worrying?  Does the worry benefit you somehow? No, of course not.

4.  You are hiking in the woods when suddenly you fall into an abandoned mine shaft.  There is no way out.  It is getting cold & dark.  You become paralyzed by fear & worry.  What is the purpose of your worrying?  Does the worry benefit you somehow? No, of course not.

There is no limit to the number of things that we worry about constantly.  Tragically, all of this worry is nothing but wasted energy and pointless, negative mind-chatter.

Here are some action items, in place of worry, that would actually be useful in the examples above:

1. Rather than worrying about the upcoming test, study for it. Find out what method of studying works best for you and make the best use of your time by studying. Practice visualization and imagine yourself doing well on the test.

2. Rather than worrying because your spouse is late coming home from work, you have two options. If you have no reason to mistrust your spouse, reassure yourself and remember how wonderful & devoted your partner really is. Be sympathetic to the fact that he is stuck at work when he would rather be home with you. Invest your energy in something productive like working out, reading a book, or mowing the lawn.

If you do have reason to mistrust your spouse, use this event as an opportunity to seek the counseling that your marriage has been needing. Therapy might help, but worrying definitely won’t.

 3. Rather than worrying about getting laid off, do something about it. Make yourself indispensable. This doesn’t mean kill yourself working hard, instead work smart. If your very best is still not enough, then start your job hunt early. Begin focusing your energy on finding another position. Or, use the layoff (and the unemployment checks) as an opportunity to embark on that start-up you’ve been dreaming about forever.

4. Alright, if you’re stuck in an abandoned mine shaft then this is an acceptable time to worry. But the fact remains that worrying will not get you out of the shaft. Rather than worrying, try to remain calm. Explore every option that might lead to escape. Look for a log, an exposed root system, or a stray ladder. If all else fails, remain calm in hopes of conserving your oxygen supply. This is a great time to harness the power of positive thinking. 😉

AND THEN ONE DAY, I WOKE UP

Many of the major, positive changes that I’ve experienced (overcoming anxiety/depression, losing 70 pounds, etc.) took place about 4 years ago when I began practicing positive, rational thinking (CBT). However, it took much longer to get a good handle on my worrying. Worry was so deeply embedded in every aspect of my life. Moving away from it was like losing a a close friend. I didn’t know how to function without it.

The best weapons in my battle against worry were positivity and presence. The more that I infused positivity and presence into my thoughts, the easier it became to stop worrying. My final—and perhaps greatest—victory came when I realized just how useless worrying really is. It was like waking up from a bad dream. When I catch myself slipping into worry now, I just remind myself how pointless it is.

THE POWER OF POSITIVITY & PRESENCE

I started this post with two extremely powerful statements: When I am anxious it is because I am living in the future. When I am depressed it is because I am living in the past. When you accept these statements as facts, you will begin to overcome the pain of worry. You will find that anxiety is a always result of living in the future and depression is always a result of living in the past. The cure for these negative mental states is simple: remain in the present moment. Live in the now.

Anxiety is just repeatedly experiencing failure in advance. —Seth Godin

My favorite quote about anxiety comes from Seth Godin. Seth says that anxiety is just repeatedly experiencing failure in advance. This is so powerful because it is so true. Stop experiencing failure in advance. Stop worrying about what might happen. Start living in the now. Make what you want to happen, happen. Create the life of your dreams!

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    My Journey to Financial Freedom | Part 2: The Climb

    Emergency Fund

    Three years ago, I was nearly $60,000 in debt. I had a Bachelor’s degree that didn’t appear to be worth its weight in salt and a job that couldn’t cover a fraction of my monthly bills. I was terrified.

    Today, I am closer to complete financial freedom than I ever dreamed possible. Last week, I paid off my last remaining credit card balance. This two-part post is a celebration of this incredible milestone in my journey.

    In part one, I explained how I got to that terrible place. In part two, I will explain how I’m getting out of it (and how you can do it, too).

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    1. Change the way you think about spending money. For most of my life, I believed that money was made to be spent. I believed that I *deserved* to spend every dollar that I earned on some material thing that would “make me happy.” I coveted material possessions—clothes, jewelry, electronics, cars. What I realize now is that money is not meant to be spent. You only need to earn enough money to survive. You should have enough money to buy only what you need. There is no need for excess.

    “You’re not your job. You’re not how much money you have in the bank. You’re not the car you drive. You’re not the contents of your wallet. You’re not your fuc*ing khakis.” (Fight Club)

    This shift in mindset is hard to adjust to at first. You may not like the reactions that you receive from people. Believe me, I’ve been called cheap a few times, but I pay no mind to it. I would choose cheap over poor any day.

    2. Keep a budget. I highly recommend using Mint.com. I started using it in September and it has been one of the most transformational and useful tools throughout my journey to financial freedom. It allows you to sync up all of your accounts (loans, checking, savings, etc.) in one place. Then it keeps track of every transaction that you make and sorts/organizes all of the data for you. It allows you to track your spending over time and by category. It gives you incredible perspective and insight about where your money goes each month/year. It has been a truly eye-opening experience for me.

    If you’re unwilling to try Mint, you can keep a budget on a spread sheet or even by hand. However, the important thing is to be completely conscious about where every dollar you spend is going.

    3. Use a debit card. To reap the full Mint.com experience you should use a debit card for every purchase you make. Using the debit card will automatically flag each transaction you make into the appropriate category. So if you go to Shoprite, it will get marked as groceries. If you go to Home Depot it will get marked as home. If you stop at the gas station it will get marked as automobile, and so on.

    I use my debit card (linked to my checking account) for almost every single transaction that I make. I also have all of my monthly bills (like my auto insurance, utilities, and gym membership) automatically debited from the same checking account each month. It makes keeping track of my spending that much easier. Plus, I do not like dealing with cash. The debit card is quick, easy, and is accepted almost everywhere now.

    Whether or not you use Mint.com it is a good idea to use a debit card simply because you can review all of your purchases and purchase amounts on your monthly statement. Trying to keep track of receipts is a hassle that I don’t have time for.

    4. Pay off credit cards and cut them up. Paying off my credit cards was my first priority. For awhile I tried “credit card surfing.” Let me just tell you from experience, it’s overrated and it really doesn’t work. The idea is that you surf from credit card to credit card by transferring balances. A lot of companies will give you 0% APR for 6 months if you transfer your balances over to them. After the 6 months, you “surf” to a new card with another promotional rate.

    The problem with this tactic is that it gets messy quickly, it becomes difficult to keep up with, and if you lose track you will end up getting burned by high APRs, finance fees, cancellation fees, etc. Also, it probably doesn’t look great on your credit report if you’re opening up a new card every 6 months or so.

    It is much safer and wiser to just stop using credit cards! My theory is simple and has taken me very far: If you can not afford to buy it, then you can not afford it. Period. It is simple logic.

    5. Eat in. This is one of the easiest changes to make, but it also comes with an enormous, positive impact. When I started closely tracking my spending habits, I was shocked to see how much I was spending on eating out. A meal at a decent restaurant goes for about $25 per person. If you eat out twice a week, that is $3,120 a year. If you grab lunch out during the work week, it’s about $8 a day. That’s $2,080 a year. Put those together and you could be spending $5,200 a year or more on dining out! That is outrageous and completely unnecessary.

    Since I started eating in and packing lunches, I’ve taken my monthly food spending from $500 down to $200 or less! Over time, that means enormous savings. Check out 5dollardinners.com for some awesome, inexpensive recipes. I love it! Also, investing in a crock pot was one of the wisest decisions I ever made—chili, sausage & peppers, and goulash will be your new (delicious, cheap) best friends. (Here are some more tips for eating healthy & mindfully.)

    6. Direct deposit money into savings every month. This is my final—and perhaps most important—tip. When I began my journey to financial freedom, I opened a savings account with ING Direct. It is an easy-to-use online savings account and it gives you interest on the money that you save. It also allows you to set up easy direct deposits.

    I started out small, depositing $50 a month into my savings. As I learned to keep my budget tighter and tighter, I increased the amount that I put into my savings each month. Currently, I am putting away $500+ per month and hope to get closer to $1,000 per month in the very near future.

    When you direct deposit the funds, it comes out automatically. It is painless because you don’t have to do a thing. Because it’s automatic, after awhile you don’t even notice that it’s missing. (I remember reading that on another blog several months ago and thinking, “Are you out of your mind?! I’m not going to miss it? Yea right!”) But I can honestly say that after a few months, you adjust to the missing money. You truly do not miss it once it becomes normal for that amount to be deposited into savings automatically each month.

    It has been one of the best decisions that I’ve made and because I’ve worked so hard to get to this place—I don’t touch that money! I am keeping it there for a rainy day or to pay off my student loans someday in one fell swoop.

    ————————————————————————

    As I stated at the start of this post, three years ago I was almost $60,000 in debt; I was twenty-three years old; and I was scared to death. Today, I have my finances under control! I am on the road to financial freedom and you can get here, too. Truly, it is not as hard as it seems. With common sense and a bit of dedication, it will happen. Paying off my last credit card balance was like taking chains off of my wrists for the first time in seven years. The feeling was completely priceless. If I can do it, anybody can.

    So, what are your financial goals? Have you ever been in financial prison? How did you free yourself? If you’re still there, what are you going to do to break free?

9 Comments

  1. a couple of thoughts on worry:

    I once read “worry is creativity gone awry” – whether or not this is true, it became my belief and ever since reading it, when I start to get anxious and worry, I do something creative – it calms me and keeps me centered.

    I’ve often thought about the word ‘worrier’, and I realized I hate it, more accurately, I hated being a worrier. I imagined a worrier as a fidgeting, sweating, hand-wringing, nail biting nervous wreck. That was such an unattractive image that I decided I wanted to instead be a ‘warrior’ and fight off the worry when it tried to attack me.

    I’m not big on war metaphors or imagery – but in this case, it feels appropriate. My warrior is a strong, tall, bold, competent, capable woman – with a wonder woman type belt and headpiece.

  2. It’s funny that you used the word warrior, Pat. I love that word. I often think of myself — and other strong women — as a warrior goddess of light.

    I love the image of the strong, capable woman with wonder woman belt & headpiece. Beautiful.

    Thank you for sharing your thoughts, you are a special soul. <3

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  9. You inspire me a lot. Today I thought that maybe I’ll lose, I’ll not be able to do my test well. In short, I worried. But Thanks to you, Dena, I am living in the present and not failing in advance.

    Thank YOU So much……

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