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Working well: using job control to reduce stress at work

By Dr Leanne Faulkner
27 July, 2026
3 min
WRITTEN BY HUMANS

Dr Leanne Faulkner shares how feeling in control of your work is a useful way to help reduce stress when you’re self-employed.

This post was written by Dr Leanne Faulkner, a small business mental health expert. Dr Faulkner’s PhD focused on the unique mental health hazards faced by sole-traders and micro-business owners. She has consulted on many national small business mental health programs to support the self-employed.

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Does your expectation match reality?

The first post in this series identified what stress can look like when you’re self-employed. Now, let’s start to explore why work can feel stressful and ways you can address it.

Many people choose to be self-employed because they’re looking for more flexibility, freedom, and autonomy at work. They want to be able to set their own hours, build their own customer base, and be financially rewarded for their expertise.

However, if your idea of self-employment doesn’t match the reality of your workday, there’s a risk that it can start to feel stressful.

Image credit: Dr. Leanne Faulkner

That mismatch might happen if sales are slow, and you imagined you’d always be busy. It may be because you find you have to work very long hours and miss out on the family time you’d planned. Perhaps you’re not earning the income you were expecting. If this happens regularly, the gap can begin to feel worrying.

Recognising the gap is important

When something isn’t going well, it’s human nature to look for ways to change it. We thrive on knowing we’re in control of our life. At work, worry happens when we feel like we don’t have total control over everything. If you’re feeling worried, start by asking yourself: “What do I feel I cannot control in my business right now?”

Be honest and write down your concerns. Once you’ve identified them, you’re in a better position to take control of them.

Common concerns and ways to address them

For many small business owners, sales volume, financial performance, staff or time management top the list. The good news, is that there are steps you can take that could help you get on top of it:

Step 1: Develop a sales forecast

Self-employed people who don’t make the time to think about sales opportunities, and plan accordingly, risk taking jobs that don’t necessarily satisfy them. A sales forecast could help you anticipate when work will happen, and this is a powerful way to select work that is best suited to your needs.

Step 2: Build basic financial acumen

Knowing how to do a cash-flow forecast is a practical way to anticipate when there’s money in the bank so you can plan your business activities accordingly. Knowing break-even points could help you control decisions about pricing and work value.

Step 3: Establish policies and client management agreements

Share your work expectations with your clients at the beginning of the relationship. An easy way to do this is to ask them to sign a client agreement to signal they understand your trading terms.

Step 4: Seek advice from others in your industry

Often industry associations provide members with templates, advice, and mentoring to help establish good control practices in their business.

Focus on building your control muscle

The more control we feel we have at work, the more we can choose how, when, and who we want to work with. This is usually why self-employment is so appealing to many. Start with one area that needs greater control and strengthen it first. That feeling of choice will empower you to move to the next challenge and hopefully, succeed!

This NRMA Insurance Working Well blog post series provides you with ideas and tips to help address the stress you might feel at work. Our next post will address other ways to reduce stress at work.

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Insurance issued by Insurance Australia Limited trading as NRMA Insurance. Information on the NRMA Insurance Blog is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from www.nrma.com.au.

Information is current as at the date of publication and may be subject to change. All content on the NRMA Insurance Blog is intended to be general in nature and does not constitute and is not intended to be professional advice. It does not take into account your individual objectives, financial situation or needs. References to third-party organisations, products, services or brands on the NRMA Insurance Blog are for informational purposes only and do not imply any affiliation with or endorsement by NRMA Insurance, unless expressly stated otherwise.

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