The first step to managing financial stress is having the courage to actually do something about the situation. Many are scared to look at their bank account balance, but we need to make an honest evaluation of the situation by doing the following:
Once you have organized your accounts into a notebook or an excel sheet, set aside the time to track your expenses so that you'd be able to identify where you spend the most should you need to cut back.
Being able to direct and redirect your money will ultimately lead you to a healthier financial and emotional place.
It's likely that from all the financial planning you'll eventually get overwhelmed and think about giving up. Should that scenario happen, allow yourself to take a break and self-soothe. Afterwards, list down everything that you need to do and divide them into manageable tasks then allocate a certain amount of time to accomplish each task.
The goal here is to make financial planning less complex and more motivated to tackle them.