Being bad at managing money or living in an area that makes it impossible to make ends meet raises people’s stress levels.

Knowing those facts, WalletHub.com, an educational and research source about the economy and consumers, set out to find which areas of the United States were the worst for economic stress. Money, work and the economy, in that order, are leading causes of stress, WalletHub says, and stress costs individuals and the economy billions of dollars a year.

WalletHub rated 150 U.S. cities on their affordability along with people’s budgeting skills and the area’s general livability. Factors taken into consideration include credit scores, home ownership rates, foreclosure rates, the availability of affordable housing, median household incomes, average commuting time and ranking on the Gallup Well-Being Index, which includes the healthiness of the population.

Following are the areas that ranked the lowest for both affordability and livability and a few reasons why the cities ranked at the bottom.

10. Birmingham, Ala.

Birmingham ranked 140th for affordability and 143rd for livability.

9. Fresno, Calif.

Fresno ranked near the bottom for both affordability and livability.

8. Columbus, Ga.

Columbus did poorly on the Gallup well-being index.

7. Tallahassee, Fla.

Tallahassee ranked 142nd for affordability and 145th livability.

6. Cleveland

Cleveland ranked among the worst for affordability and livability.

5. Stockton, Calif.

Stockton ranked last for livability and near the bottom for affordability.

4. San Bernardino, Calif.

San Bernardino residents ranked among the lowest for average credit scores.

3. Brownsville, Texas

Brownsville ranked among the lowest for affordability and budget.

2. Miami

Miami was among the lowest for both median income and home ownership rate.

1. Hialeah, Fla.

Hialeah ranked 149th for lowest median income.