Money worries are no fun. Not only can financial stress put a strain on your cash flow, but it can negatively affect your physical and mental health. In fact, if you have poor financial habits – particularly debt – you’re more likely to experience depression and anxiety.

On the flip side, if you take good care of your body and mind, there’s a good chance your finances will improve. As an example, you may know that sleep deprivation can lead to health issues. But did you know that exhaustion can also result in lower wages? In fact, if you’d like to make more money, you should get more shut-eye, according to a 2016 study. Yet, this isn’t so easy as money issues lead to sleepless nights. Indeed, it’s a vicious cycle.

Take Charge of Your Wellness

So, what can you do to improve your finances so that you can feel better physically and emotionally? Along these lines, what healthy measures can you take to positively impact your finances? To help answer these questions, take a look at 3 ways to improve your financial health and 3 ways to enhance your physical and mental state. By following these tips, you may get one step closer to overall mind, body and financial wellness.

3 Ways to Improve Your Financial Health

1. Deal with your debt

If you’ve got debt, you can only mask it for so long. In fact, debt denial can lead to more debt. And this can result in depression – negatively impacting both your physical and mental health. According to debt fighter Melanie Lockert, who recently climbed out of $81,000 in student loan debt, it’s imperative to create a budget and action plan to pay down your debt. More importantly, you have to commit to your goal.

2. Save money

Saving money can be challenging, especially when you have bills to pay and debt to pay off. But if you don’t do this, you risk going into more debt. For example, say your car breaks down and you have no money saved up to pay for the repairs. You may end footing the bill on your credit card, elevating your balance and resulting in yet more debt. This can become a habit that you should try to break as ultimately this can lead to – you guessed it – more stress.

To help you start saving, we suggest paying yourself first and automating. If you sign up for a Chime bank account, for example, you can automatically direct a percentage of every paycheck into your savings account as soon as your paycheck is deposited. Chime will also round up each purchase you make on your Chime debit card and put the round up amount into your savings account. If you use your debit card twice a day, this will lead to $400 a year in savings. Another key benefit:  Automating your savings, on top of paying down your debt, means you’re more likely to successfully accomplish personal goals, according to a recent study.

3. Change your spending habits

In order to save more money and improve your mental health, you may need to rethink how you spend your cash. Why? Because how you spend can be directly related to your happiness. To help you develop healthy spending habits, start by spending mindfully instead of spending big bucks. For example, try spending on experiences instead of expensive things, buying a cup of coffee for a stranger and saving up for a future purchase. All of these spending habits have been scientifically proven to boost your mood.

3 Ways to Improve Your Mind and Body

1. Practice mindful meditation

According to the American Psychological Association, money is a top cause of stress for 64% of Americans. One way to reduce this stress is to practice meditation. Meditation will not only teach you how to calm your monkey mind but it will help you become more mindful of your money matters. How? When you are calm and grounded in your everyday life, you can focus clearly on your financial picture and this helps you make sound decisions to reach your money goals.

2. Get enough sleep

As we already mentioned, sleep deprivation can lead to poor health – and finances. In fact, 40 million people in the U.S. say their work lives and bank accounts are negatively affected by sleepless nights. Yet, increasing your sleep by just one hour a night will lead to a five percent increase in wages over the long haul. More sleep can also lead to increased productivity and a heightened ability to learn new things.

3. Shape up

Exercise has been proven to reduce stress as well as help you shed pounds. But, did you know that physical fitness can lead to financial fitness? According to a survey, Americans believe a gym membership is as important to their financial health as a 401(k) or savings account.

Survey respondents satisfied with their financial health stated they were also doing better with other health-related goals. And, whereas only 36% of those surveyed said they’re satisfied with their current financial health, that figure climbed to 65% for those also satisfied with their physical health.

Perhaps it’s time for a mindful check-in. If you aren’t exercising or practicing yoga regularly, why not start today? Your health – and your wallet – will thank you.