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Avoid drugs and alcohol

If you're under financial stress, you're likely experiencing physical and mental symptoms of stress, including tight muscles, headaches, irritability, and reflux disease, but you may not recognize what they are.

Watch for symptoms of stress and take steps to cope in healthy ways, such as with exercise.

Don't resort to drinking, using drugs, or smoking, which can lead to a vicious cycle in which your mental and physical health gets worse, and you rely more on substances for a temporary fix.

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