A Woman's Day survey of 1,000 women found, 36 percent of women don't discuss the financial stress they feel with anyone. Bottling up your troubles can make the problem worse. "Most people feel a huge sense of relief after sharing their circumstances with someone," says Brad Klontz, PsyD, a financial psychologist and coauthor of Mind Over Money. Confide in one or more of these people:

A close friend
It can be awkward to talk about money, but it gets easier. "It becomes a two-way conversation," says Jean Chatzky, a personal-finance expert and author of Age Proof: Living Longer Without Running Out of Money or Breaking a Hip. "What you find is that their situation isn't perfect, either."

A money buddy
An accountability partner keeps you focused and motivated. If you don't want to share your financial struggles with someone you know, join one of the savingadvice.com forums.

A financial planner
A good advisor will help you grow your assets and plan for the future. But choosing one can be though, so ask for a referral or use resources like plannersearch.org, napfa.org and letsmakeaplan.org.


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