Why I'm budgeting in $200 a month for therapy while my income is down - Business Insider

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My mental health affects my income, so budgeting in $200 a month for therapy is a no-brainer

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.to build up a bigger emergency fund, I decided to budget in therapy.

The two are deeply connected. Our mental health can greatly impact our financial lives, and vice-versa. On top of that, getting what we need to take care of our mental health usually costs money. Adequate mental health care isn't financially accessible for everyone. Even people who can afford it need to work it into their budget, and possibly make sacrifices elsewhere, to stay financially secure.

Whenever I think to myself, "I can't afford to go to therapy," a clever voice in my head responds, "You can't afford togo to therapy." Mental illness and financial problems go hand-in-hand. I know that, personally, when my mental health declines, my finances do too. I get less work done, so I make less money. On top of that, I lose motivation, so I'm more likely to give up on financial goals and spend money impulsively to try and make myself feel better.

 

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'If you deserved therapy, you'd have an extra $200.'

Meanwhile people on low income find that affects their mental health, but they can’t afford therapy

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