When money’s tight, everything feels heavier, your shoulders, your sleep, and yes, even your heart.

It’s not just in your head. Financial stress can seriously affect your physical and mental health, especially your heart. During National Heart Health Month, it’s a good time to take stock of how money worries may be weighing on you, and what you can do to lighten the load.

At American State Bank, we’ve helped generations of Iowans navigate everything from grocery bills to grain prices, and we’re here to help you do the same, with practical tools, compassionate people, and small-town service that puts your well-being first.

How Financial Stress Shows Up in Daily Life

Money stress doesn’t always look like maxed-out credit cards or overdue bills. Sometimes, it shows up in subtler ways, like feeling overwhelmed at the gas pump or avoiding a look at your bank balance.

Here are some common financial stress triggers, especially for Iowans:

  • Unexpected car or equipment repairs
  • Rising grocery or fuel prices
  • Healthcare or insurance costs
  • Lack of emergency savings
  • Credit card debt or student loans
  • Seasonal changes in ag income
  • Uncertainty in market prices (grain, livestock, etc.)

You don’t have to be “bad with money” to feel the pressure. Many folks who seem stable on paper are still lying awake at night wondering how they’ll stretch their budget.

How Financial Stress Impacts Your Heart and Health

You’ve probably heard that stress isn’t great for your body, but financial stress, in particular, can increase your risk for serious health issues.

Here’s what money worries can do to your body:

  • Raise your blood pressure and heart rate
  • Increase levels of cortisol (your body’s stress hormone)
  • Reduce sleep quality or cause insomnia
  • Trigger emotional symptoms like anxiety, depression, or burnout
  • Lead to unhealthy habits like poor diet, smoking, or skipping doctor’s visits

Signs You Might Be Carrying Too Much Financial Stress

If money has been weighing on you lately, these common signs can help you understand when your stress is starting to take a toll:

  • You avoid checking your bank account or mail
  • You feel a tight chest or tension when thinking about money
  • You argue more with your partner or family about spending
  • You’re skipping payments or feeling behind
  • You often feel hopeless or stuck financially

All of these are signals from your body and brain that something needs to change, not just in your budget, but in how you’re supported.

5 Ways to Lower Your Financial Stress

There’s no magic solution, but even small steps can have a big impact on your peace of mind. Here’s where to start:

1. Get Honest About Your Finances

It’s easy to avoid money talk when things feel tight, but ignoring it just builds more anxiety. Grab a cup of coffee and take a good look at:

  • What’s coming in
  • What’s going out
  • What you owe
  • What you own

Knowing the full picture puts you in the driver’s seat.

2. Create a Simple, Doable Budget

You don’t need a spreadsheet masterpiece, just a plan. Prioritize essentials, set realistic limits, and give every dollar a “job.” Start small and adjust monthly.

3. Build a Little Breathing Room

An emergency fund, even just $300–$500, can prevent financial spirals. Set up automatic transfers, even $10 a week adds up.

4. Unplug from Comparison Mode

Social media and credit card offers can fuel stress. Remember, financial health isn’t about looking “successful”; it’s about feeling secure.

5. Talk to Someone Who Can Help

Whether it’s a family member, a financial advisor, or your local banker, asking for help is a strength, not a weakness.

How American State Bank Helps Iowans Stress Less

Whether you’re managing a household or running an ag operation, we’re here to:

  • Simplify your finances, not overcomplicate them
  • Offer personalized banking advice that actually works for you
  • Help you build a real plan — for savings, spending, and security

Here’s what we can help with:

You don’t need a fortune to feel financially confident. You just need a local bank that listens and has your back.

Visit an ASB Branch Near You Today

Your Wallet and Your Heart Deserve the Same Care

Financial stress is real, but it doesn’t have to take over your life or your health.

Start small. Be kind to yourself. And remember: you don’t have to carry it alone.

At American State Bank, we're right in your corner, whether you need help with your first budget or your next growing season.

Need a money reset?

Come see us or give us a call — it might just be the healthiest move you make this month.