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Financial stress rates in the U.S. are among the highest they’ve been during the last five years, according to the findings of PricewaterhouseCoopers’ 2016 Employee Financial Wellness Survey. More than half of respondents reported stress about finances and 45% report their stress increased over the prior 12 months.

Financial stress is a very personal experience, and can be challenging even for experts. This is why many people deal with their financial stress a lot like they deal with their health; that is, they ignore it for as long as possible and hope it works itself out. To make matters worse, “education” is rarely the solution. Great financial advice may help with knowing what to do, but the key is doing it. Since dealing with money is so personal and emotional, even individuals who know what they should do are often unable to overcome the barriers that keep them from taking action.

Here are 12 tips to help break through the barriers that keep individuals from taking action to relieve their financial stress provided by Carla Dearing, CEO of SUM180.