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Why Is Getting Out of Bed So Hard When You’re Broke

April 3, 2025 By Teri Monroe Leave a Comment

struggling to get out of bed
Image Source: Pexels

If you’re broke, you may be struggling to get out of bed. The weight of financial stress can be overwhelming, making it hard to find the motivation to start your day. Every morning may bring a fresh wave of anxiety about unpaid bills, job insecurity, or the uncertainty of how you’ll make it through the week. The mental, emotional, and physical toll of financial struggles can leave you feeling drained before the day even begins. If this sounds familiar, you’re not alone. Here are some key reasons why financial hardship can make it so difficult to get out of bed and what you can do to push through.

Exhaustion

You may be working several jobs to try and make ends meet. You may be pushing your body to the brink and may not be able to get proper nutrition to refuel. Physical exhaustion can also weigh on your mental health. Additionally, you may be stressed about your ability to pay bills or your rent. Worry and stress can also contribute to poor sleep, which can make the problem even worse.

Lack of Motivation

If you feel like you can’t get ahead financially, you may have given up. Lack of motivation can contribute to your inability to get out of bed. It’s hard to feel motivated if you feel like the cards are stacked against you, but remember that you can make small positive changes every day.

Depression

Laying In Bed
Image Source: Pexels

Financial issues can weigh on your mental health. You may also be isolating yourself from friends and loved ones if you don’t have the means to go out with them. Such social isolation can be a trigger for mental health issues. You may be experiencing depression as a result. If you feel hopeless, be sure to seek help from a mental health professional.

Rejection

Getting up when you’re broke may mean facing more rejection from job applications. You may feel that it’s better to stay in bed than be rejected again. It’s important to remember though that rejection isn’t a reflection of your worth. You’re more than a job title or your financial hardships.

How to Make a Change

While it may seem difficult, setting small goals can help you get out of bed. Making a list of goals or things you’d like to accomplish each day can keep you on track. Be sure to celebrate each time you check something off your list. Setting a routine can also be helpful, especially when you’re struggling to get out of bed. This might include incorporating things that help you release dopamine, like exercising. If you schedule your day, you’ll be more likely to get out of bed.

It’s also important to seek support from family, friends, and a mental health professional if you’re struggling. Although it may seem difficult now, there are better days to come.

How do you get out of bed when faced with financial hardship?

Read More

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: depression, struggling to get out of bed, struggling to get up when you're broke

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