Running a business can be stressful, and for many small business owners, financial pressure is a major contributor.
Stress affects more than your mood – it can impact your physical health, decision-making, how you manage staff and how smoothly your business runs. That’s why it’s important to spot early signs and know what support is available.
These practical mental health tips and resources can help you recognise early warning signs and manage stress effectively.
Early warning signs of stress and burnout
Financial stress can show up in different ways, including:
irritability or feeling restless
trouble sleeping
constant negative thoughts
burnout, which might look like dreading work, feeling fatigued, or having less empathy for others.
It’s easy to dismiss these signs as part of a busy workload but ignoring them could take a serious toll on your wellbeing.
How business owners can reduce stress
When money is tight, it’s common to work harder and longer. While this is a normal emotional response, it can create a cycle that’s hard to break. Small, simple actions can make a difference in reducing stress.
Start small
Take a few minutes each day to focus on your wellbeing. Try:
short meditation exercises online or on apps like Headspace
quick yoga videos
writing down a few things you’re grateful for to help keep a positive mindset.
Maintain healthy habits
Your mental and physical health are connected. A few habits that can help include:
prioritising sleep and exercise – your body needs regular care to function well
eating balanced meals – set time aside to prepare healthy food
avoiding using alcohol to cope – if you’re worried about how much you’re drinking or find it hard to have alcohol-free days, it may be a sign to seek support.
Where small business owners can find mental health support
If you’re concerned about your mental health, help is available.
A good starting point is your GP, who can assess your wellbeing and create a care plan.
You can also access online support, including:
Medicare Mental Health: mental health resources and services in-person, over the phone or online
This Way Up: evidence-based online mental health programs.
You can find more information on mental health support on our website to help you manage your own or your employees’ wellbeing.
If you or someone you know needs immediate help, call Lifeline on 13 11 14.
In you’re in an emergency, or at immediate risk of harm to yourself or others, call Triple Zero (000) or TTY (106).
Ask for help
Feeling stress during tough financial times is normal. By recognising early warning signs, building healthy habits and reaching out for support, small business owners can protect their wellbeing, support their employees, and keep their business running smoothly.