Here’s how to put one together for use with your money

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Americans stress and worry about late money. According to wellness expert Deepak Chopra, being aware can help.

According to a CNBC + Acorns Invest in You survey conducted by Momentive, about 52% of U.S. adults are under more financial stress than a year ago. The online poll was conducted on March 23-24 in a national sample of 3,953 adults.

“A lot of people are upset, they’re depressed, they’re depressed, they’re under stress,” said Chopra, founder of The Chopra Foundation and Chopra Global.

That stress, in turn, can create inflammation in the body and weaken the immune system, he added.

While meditation, jokes and music can help you shrink, being aware of your finances is a great way to gain control over your financial life.

According to Psychology Today, mindfulness is “a state of active, open attention to the present.” Being mindful of your money means that you are basically focusing on your money and being present.

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For Chopra, the most important thing to know about money is quite simple: don’t buy things you don’t need, with money you haven’t earned, to impress people you don’t like. It will create stress in your life, he said.

“Our culture is accustomed to hate,” said Chopra, who recently published his 92nd book, “Lots: The Inner Way to Wealth.”

To be sure, according to a NerdWallet survey, the average household owes $ 155,622 with debt. Those with credit card debt averaged $ 6,006, the study found.

Instead, you should look at what you spend and try to save about 10% of your earnings, Chopra said. This is something his mother taught him a few years ago.

“It has served me well all these years,” he said.

“So be a little frugal at this point,” Chopra continued. “Ask yourself, ‘Do I need it?’ Or, ‘Do I want it?’

“You know, want and demand are two different things.”

When it comes to investing, try not to let your emotions get the better of you, he said. The stock market, which was bad in January and February, recovered in March. Although April is a historically strong month, market observers expect some turmoil this quarter.

“People get nervous and melodramatic and make very unreasonable decisions,” said Chopra and a member of CNBC Invest in You Financial Wellness Council.

“So be patient and don’t make unreasonable decisions.”

Also, take care of yourself physically and mentally. If you get a good night’s sleep, have healthy relationships with friends and family, exercise and meditate, your ability to achieve financial success will automatically improve, he said.

Most importantly, keep things in perspective.

“If at the end of your life, you said, ‘I made a lot of money, but I wasn’t happy,’ what good is it?” Chopra said.

“Happiness should always be the number one priority, and then everything else follows,” he added. “This is called top-down method instead of bottom-up method.”

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Disclosure: Investors in NBCUniversal and Comcast Ventures Acorn.

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