Informal-economy workers

Whether you sell goods on the street, drive for hire, do piece work or run a small unregistered business, not knowing what tomorrow's income looks like is a heavy, constant weight. This uncertainty is real, and so is the toll it can take.

What it is

Working in the informal economy often means no fixed salary, no paid leave, and little safety net if you get sick, injured or if trade is slow. This unpredictability keeps the body's stress response switched on for long stretches, because the mind is always calculating and planning for what might go wrong. Add in exposure to weather, harassment from officials, competition for customers or clients, and safety risks in some settings, and it becomes clear why so many informal workers carry chronic, low-grade anxiety even when things are going reasonably well.

Signs to notice

• Constant worry about money, even on days when income was okay
• Difficulty switching off at night, replaying the day's takings or tomorrow's plan
• Irritability or a short temper with family, linked to financial pressure
• Physical symptoms like headaches, stomach problems or muscle tension
• Avoiding social contact because of shame about income or circumstances
• Using alcohol or other substances to cope with the stress of the day

What helps

• Track income and expenses simply, even in a notebook. Seeing the real numbers, rather than just carrying worry in your head, often reduces anxiety.
• Set aside a small buffer on good days, even a tiny amount, for slower periods - this builds a sense of control.
• Build a support network with fellow traders or workers. Shared information about safety, pricing and opportunities reduces isolation and stress.
• Use short breathing breaks between customers or tasks to lower physical tension through the day.
• Separate work worry from home time where you can - even ten minutes of full attention on family can restore a sense of balance.
• Look into stokvels, savings groups or community financial support structures, which many informal workers use successfully to manage unpredictable income.

When to reach out for help

If worry about money is affecting your sleep, appetite, relationships or ability to function most days, it is worth talking to someone. Persistent low mood, hopelessness, or turning to substances to cope are signs that professional support would help.

Getting help in South Africa

If you have access to an EAP through a cooperative, association or family member's employer, Cleared Mind counsellors can support you confidentially with stress, financial pressure and mental wellbeing. SADAG's Mental Health Line (011 234 4837) is also a free resource for guidance and referrals, and community health clinics can provide low-cost mental health support.