With cash-strapped Americans already worried about the effects of an economic downturn, the April 15 deadline to file federal income taxes may seem overwhelming or frightening, especially for those who fear that they will owe the government money.

"The nation's troubled economy is causing a strain not only on wallets but also on how stressed we feel," said Dr. Stephanie Smith, a Colorado psychologist. "Many of us bury our heads in the sand because our finances are so overwhelming. This can just make the problem - and ultimately our anxiety about the problem - worse. Start small and start somewhere. Think of tax-filing time as an opportunity to evaluate your financial situation and money habits and figure out ways to change."

Money is a leading concern for most Americans. According to APA's 2007 Stress in America poll, nearly 75 percent of Americans say work and money are two significant stressors in their lives. And as the nation faces a possible recession, more Americans may feel panicky about their future, leading to an increase in stress about their finances and job.

The survey also reveals that many Americans choose unhealthy ways to cope with their stress. More than 40 percent say they overeat or eat unhealthy foods during stressful times, 48 percent have lost sleep, and two-thirds of smokers report they smoke even more.

"It's tempting to turn to bad habits, but stress and health are so strongly linked that it's important for people to take care of themselves," said Dr. Nancy Molitor, a Chicago-area psychologist. "Engaging in unhealthy behaviors usually makes things worse and then distracts you from making the necessary changes in your financial situation that could ultimately make life better."