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Financial Stress 

Treatment Plan

Sunset Flower
  • SNOMED Terms

  • Adjustment disorder with depressed mood

  • Adjustment disorder with mixed anxiety and depressed mood

  • Antisocial personality disorder

  • Borderline personality disorder


  • Establish a clear income and expense budget that will meet bill payment demands.

  • Contact creditors to develop a revised repayment plan for outstanding bills.

  • Gain a new sense of self-worth in which the substance of one's value is not attached to the capacity to do things or own things that cost money.

  • Understand personal needs, insecurities, and anxieties that make overspending possible.

  • Achieve an inner strength to control personal impulses, cravings, and desires that directly or indirectly increase debt irresponsibly.

Purple Flower
Flower Girl

Behavioral Definitions

  • Indebtedness and overdue bills that exceed ability to meet monthly payments.

  • Loss of income due to unemployment.

  • Reduction in income due to change in employment status.

  • Conflict with spouse over management of money and the definition of necessary expenditures and savings goals.

  • A feeling of low self-esteem and hopelessness that is associated with the lack of sufficient income to cover the cost of living.

  • A long-term lack of discipline in money management that has led to excessive indebtedness.

  • An uncontrollable crisis (e.g., medical bills, job layoff) that has caused past-due bill balances to exceed ability to make payments.

  • Fear of losing housing because of an inability to meet monthly mortgage payments.

  • A pattern of impulsive spending that does not consider the eventual financial consequences.



  • Adjustment Disorder with Depressed Mood

  • Bipolar I Disorder, Manic

  • Bipolar II Disorder

  • Major Depressive Disorder

  • Borderline Personality Disorder

  • Antisocial Personality Disorder

  • Diagnosis Deferred

  • No Diagnosis

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