Want to look younger? Cut debts. Money worries put years on your face

In a recent study, people with the highest levels of debts, money and financial stress looked like they had aged more over a decade than people with lower levels of money worries.

Financial stress actually takes a larger toll on appearance than other types of stress.

It may be that people who are under a lot of financial stress do not pay much attention to their appearance,” says study author Margie Lachman, professor of psychology at Brandeis University. “Stress can also accelerate the aging process.”

The reviewers consistently estimated that those under financial stress had aged more than those who weren’t under financial stress.

Lachman and colleagues also studied how stress in general affects how old people think you are. They found that financial stress actually takes a larger toll on appearance than other types of stress. This is consistent with other research showing that money worries rate as the most significant source of stress in people’s lives.

Lachman, who is also the director of the Lifespan Developmental Psychology Lab at Brandeis University, is an expert on health and well-being in later life. While much research has focused on the age people feel, this study also looked at the age people appear to others relative to their actual age. Lachman says that being perceived as older than you actually are can affect behavior and lifestyle with the potential to negatively affect your health.

So what can you do to look younger and to have much lower levels of money worries?

The solution is to implement 7 steps in my book Underspent. These are the 7 steps that worked for me:

Step 1. I identified my passions and priorities
Step 2. I made a budget and sorted out my banking
Step 3. I got people in place to help
Step 4. I inspected, assessed and organised my stuff
Step 5. I got into swapping, sharing and selling
Step 6. I used everything that I already had
Step 7. I got out and had fun

Buy the Underspent book, $2.99 or $12.95, here http://www.cyclingrachelsmith.com/buy-the-underspent-book/