MASTERY: It is important to feel like a productive and competent person who has something to contribute in life. Having a talent or working hard to develop a skill brings a feeling of mastery that increases our good feelings about ourselves. When our abilities are noticed and appreciated by others, we feel even better. Watch a child who is working hard to learn to tie a shoe or throw a ball and then notice the excitement this child has when he or she accomplishes this. As adults we know how it feels to have and utilize a skill. We can forget how vulnerable we feel when we put ourselves in situations of trying to learn a new skill and we can also forget how rewarding and satisfying it is to master the skill and feel a renewed sense of competence.

AUTONOMY: Most of us also need to feel as though we are doing things of our own free will and by choice. There is a significant increase in happiness when a country increases civil liberties for its population. As humans, we want to feel free and self-sufficient. Autonomy means that we have a sense of choosing our lives and activities and doing things are meaningful to us. No one likes to feel controlled and even when we are performing assigned tasks in our work life or our home life, we can feel that we are doing these things because we have chosen them for the inner and outer rewards they bring us. In the movie “Invictus”, Nelson Mandela maintained his sense of freedom by reciting a poem with the following lines: I am the master of my fate:I am the captain of my soul.

CONNECTION: Because we are humans, we are basically social animals. Feeling connected to others is essential to our survival and well-being. When we are disconnected,lonely or feel alienated from others, we are unhappy. Human infants must have physical and emotional contact or they die of “failure to thrive.” It is easy to forget how important and fundamental connection is to our well-being if we are caught up in the belief that we should be able to do everything without depending on others.

SECURITY: A feeling of security comes when we feel we have enough resources to meet our needs. The increase in happiness that comes when one is lifted out of poverty is enormous. We cannot be happy when we feel our day to day survival needs might not be met. Why then can we feel insecure when we do have resources? Past traumas of not having enough or worries that we will lose what we do have can undermine our feelings of happiness and well-being. We need to understand how much is “enough” and what is truly secure and not secure in our worlds.

Stress management involves simple acts that reduce anxiety: breathing slowly and thoughtfully, sitting and meditating, going for a walk, spending relaxing time with your loved ones, stretching tight muscles, etc. The more a person obsesses and panics about money, the less likely they are to think of a successful strategy to work it out. Creativity is necessary to solve problems and you are more likely to think creatively when you are relaxed and your mind is loose. Allowing stress to impact your health negatively will cost you more in the long run if you need medical treatment or are too fatigued to deal with life. Negative approaches like escaping though television, eating, drinking and using drugs are tempting but we know that they do not work well. Replace passive activities with exercise, healthy eating and learning new skills. A useful metaphor is to think of yourself as an athlete training for an event. If you approach financial setbacks this way, you are focusing on a positive process and you will begin to work toward a solution in a way that will sustain you instead of wiping you out.