The Truth About Financial Anxiety During the Holidays

financial anxiety holiday money stress nervous system and finances somatic money healing trauma and money Dec 08, 2025

There’s a unique kind of pressure that appears this time of year — the pressure to spend, give, celebrate, show up, and somehow have financial ease through it all.
Even if you’ve budgeted.
Even if you’re “fine” on paper.
Even if you’ve been doing your inner work.
Your body can still tighten around money this season.
If you’ve felt dread when looking at your bank balance…
or guilt when buying gifts…
or shame comparing what you can give vs. others…
or confusion because your financial anxiety feels bigger than the moment…
You’re not alone.
And you’re not “bad with money.”

You're experiencing something deeper:
Holiday money stress touches the trauma roots of safety, worth, and belonging.

Let’s talk about why — and how to shift into clarity and internal safety again.


Why Money Anxiety Gets Louder in December

Money is rarely about money.

It’s about what money represents to the nervous system and subconscious:

  • safety
  • permission
  • survival
  • approval
  • self-worth
  • belonging
  • enoughness

Those themes get louder during the holidays — which is exactly when your younger parts, your survival patterns, and your old money stories get activated.

Here are the deeper roots:


1. Old scarcity memories resurface

Many people grew up watching money become a source of stress this time of year.
Maybe you heard arguments.
Maybe you had to pretend everything was fine.
Maybe the holidays were tied to sacrifice, disappointment, or comparison.
Your adult self might know you’re okay now…
but your nervous system remembers the old reality.

This is where a compassionate resource that helps you explore the subconscious roots of money fear becomes powerful.

Not to “fix” you, but to give context to what your body has been holding.

2. The holidays amplify worthiness wounds

Holiday messaging is basically a giant mirror:
“Are you enough?
Are you giving enough?
Are you doing enough?
Are you measuring up?”

If you’ve ever tied your value to what you can offer — emotionally, financially, energetically — this pressure can feel like a test you didn’t sign up for.

Your younger parts may still believe:

  • “Love is earned.”
  • “Approval requires sacrifice.”
  • “I need to give more to be enough.”

These beliefs create an internal push that drains your system before you even spend a dollar.
Gently challenging these old imprints is easier when you have a structured way to shift into clarity, truth, and internal permission.


3. Your survival brain is responding to perceived threat

The nervous system doesn’t differentiate between:

  • a real financial emergency and
  • a subconscious echo of past scarcity

Stress can collapse your window of tolerance, making you feel unsafe even if your logical mind says you're fine.

Somatic cues of financial overwhelm:

  • tightening in the diaphragm
  • shallow breath
  • compulsive checking or avoiding your bank app
  • shame sensations in the gut
  • feeling “small,” frozen, or foggy

When your system goes into protection mode, you need a simple, energetic practice that resets your field and restores a sense of internal safety .

4. Cultural pressure distorts your internal compass

This time of year runs on:

  • comparison
  • performance
  • perfectionism
  • gifting rituals
  • unspoken expectations

You may find yourself spending to:

  • avoid conflict
  • feel included
  • soothe guilt
  • manage emotion
  • “keep up”

None of that is about money itself.
It's about belonging.
When external pressure gets loud, you need ways to come back to your own truth — not the collective noise.

Practices that re-center your system help you hear your own intuition again, especially gentle energetic shifts that reconnect you to inner clarity.


So What Do You Do When Money Fear Shows Up?

You don’t fight it.
You don’t shame it.
You don’t override it.
You listen to what your body is trying to protect.
Here are supportive ways to shift without forcing anything:

1. Slow down the moment you feel contraction

Financial anxiety creates urgency.
Urgency collapses intuition.
If you can give yourself even three slow breaths, everything softens.

  • Exhale longer than you inhale
  • Unclench your jaw
  • Notice your feet
  • Lower your shoulders

Presence reopens options.

2. Name the younger part that’s speaking

Ask yourself:
“How old does this fear feel?”

Does it feel 7? 12? 19?
Financial fear rarely belongs to your adult self.
It belongs to an old version of you who once had no control.
Naming that younger part reduces shame and increases choice.

3. Anchor into one truth that feels supportive

Not positive thinking.
Not affirmations.

Just one truth your system can actually receive, like:

  • “I am safe in this moment.”
  • “I can take this one step at a time.”
  • “I don’t have to rush.”
  • “My worth is not measured by spending.”

Truth regulates.
Pressure dysregulates.

4. Shift the energetic imprint

Financial anxiety carries energetic residue — old conclusions, old emotions, old vows.
A simple energetic shift can release what your system no longer needs to carry.
This is where a gentle exercise that resets your internal state and reconnects you to possibility supports deeper transformation without overwhelm.


Money Fear Is Not a Personal Failure — It’s a Nervous System Response

And you deserve support that honors your history, your body, and your energy.
During the holidays, financial anxiety doesn’t make you irresponsible or weak.
It makes you human.

You’re navigating:

  • old trauma imprints
  • collective pressure
  • family dynamics
  • worthiness wounds
  • survival instincts

Your body is trying to protect you.
And you deserve all good —
Not some.
Not a few.
But all.

If you want to explore this work more deeply, here are the next steps.

✨ Primary Support: Lies of Money (Book)

Promotional graphic featuring Dr. Lisa Cooney alongside the front and back cover of her book “Lies of Money,” showing a money tree against a bright sky backdrop with butterflies and a rainbow.

A grounded, compassionate guide for understanding the trauma-coded beliefs around money, safety, and self-worth — and how to shift them.

✨ Secondary Support: Body Awareness Practice

A silhouette of a person standing on a hill at sunrise with radiant golden light and soft orange bokeh in the sky. The text “ThetaHealing™ Anointing Exercise” appears in elegant white script, with a small golden butterfly floating in the top right corner.

A simple energetic practice that helps you release fear, reset your field, and reconnect to internal safety and possibility.


You can also explore more resources at /getting-started or expand your healing through /private-sessions.

Body-Based Healing for the Bold, Brave, and Becoming

Subscribe to Rooted & Rising for thoughtful notes on healing, embodiment, and reclaiming your soul — delivered gently to your inbox. No fluff. Just real, resonant truth.

We hate SPAM. We will never sell your information, for any reason.

Creating Your FUNancial Reality

Join now before this once in a lifetime opportunity expires.

Recent Blogs

The Truth About Financial Anxiety During the Holidays

Dec 08, 2025

When Your Intuition Goes Quiet Under Stress

Dec 06, 2025

5 End-of-Year Nervous System Patterns You Shouldn’t Ignore

Dec 03, 2025