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Financial Stress

As a foundation doctor, managing financial stress can be a significant source of worry and anxiety (See ‘Anxiety’ strategies in the ‘Tools’ section). Here are some suggestions to help you manage financial stress:

Create a budget:

Creating a budget can help you to track your expenses and manage your money more effectively. Start by listing your monthly income and expenses, and then adjust your spending as needed.


When you know that you are moving to a different rotation and Trust, prepare that there might be a delay in your monthly salary coming through. It could be that you set up a pot that you pay a small amount in to each month in preparation or this. 

Focus on what you can control:

It’s easy to feel overwhelmed by financial stress, but focusing on what you can control can help you to feel more empowered. Set small goals and take action towards them, such as creating a budget or finding ways to reduce expenses.

Practice gratitude:

Focusing on the things that you are grateful for can help to reduce stress and improve your overall well-being. Make a habit of writing down three things you are grateful for each day.

Stay connected:

Social support can help to reduce stress and anxiety. Stay connected with friends, family, and colleagues who can provide emotional support and practical advice.

Take a break from social media:

Comparing yourself to others on social media can contribute to feelings of inadequacy and financial stress. Take a break from social media or limit your exposure to it.

Take care of your health:

Financial stress can have an impact on your physical and mental health. It is important to take care of yourself by eating healthily, getting regular exercise, and getting enough rest.

Look for discounts and deals:

Look for discounts and deals on essential items such as food, transportation, and housing. You may be eligible for student discounts or special rates for healthcare workers.

Remember, financial stress is a common experience for many foundation doctors, but it is important to manage your stress and seek help when needed. By taking steps to manage your finances and seeking support, you can reduce your financial stress and improve your overall well-being.

If you or a loved one is in immediate crisis...