‘Financial Therapy’ A financial stress therapist

Changes no matter recession, epidemics, or personal problems affect finances and income security. It starts with small problems and then develops into big problems which results in accumulated stress that affects emotional and psychological. When it reaches a dead end or you need to consult someone who understands the health and well-being of your money, a financial therapist or ‘Financial Therapy’ can help you.

Financial stress, A problem most people encounter

Everyone worries about money from time to time, but for some people it feels like failure and despair, regardless of the amount of money that cannot meet their basic needs or career failure until that feeling develops into a loss of self-respect which results in “Financial anxiety” that can be stimulated by many factors. People who face this condition have a lot of anxiety, don’t want to do anything, are hopeless about life, or even afraid of looking at bills or balances in a bank account. This can happen often to retired people who have to rely on money from people around them because they cannot make ends meet.

As the number of people concerned about finance increased, the Therapy Association (FTA) was established in the United States in 2009. People related to both psychology and finance were gathered together. They studied, experimented, and researched with Financial Therapy until it became known as The Journal of Financial Therapy and now more people are taking counseling.

How is Financial Therapist different from Financial counselor?

Many people may wonder how a Financial Therapist is different from a Financial counselor. In fact, the functions of these two professions are very different because financial counselors focus on consulting and helping to plan their finances, as well as selling financial products. On the other hand, The financial therapist will help the person receiving the consultant understand his or her emotions, feelings, and behavior. This allows the mental state to come back and deal with their financial problems more.


Unfortunately, most financial therapist services are currently available in the United States via FTA web services at a cost according to the consultation. However, ACU PAY offers alternatives to dealing with mental health problems from finance. There are four steps as follows:

1. Plan well, be disciplined, and set clear goals

Start planning your financial plan by setting your goals for how much you want to save, manage your spending well and have emergency reserves.

2. Know one’s own financial liquidity

Know how to record income and expenditure so that you know how much each month’s income is and how much expenditure is. With good financial liquidity, you can have more money, money saving, and not go into debt.

3. Take advantage of the application

Technology makes life much easier. You can use financial applications on your phone as a tool to manage money, which is very easy to write down.

4. Open one’s heart and talk about problem

Sometimes it’s good to talk about your financial problems to someone you trust such as a lover, friends, or parents. However, if you feel you need to see an expert, it is advised to consult with a psychologist or psychiatrist directly. Currently, both online and offline consultations are available at your convenience.

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