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Article Series: Debt Relief & Debt Consolidation
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Debt Stress:
The Human Side
In all the technical discussion you hear about credit card
debt, the best ways to manage it and pay it off and all the
rest, one thing goes largely ignored. Credit card debt is
extremely stressful, and can have a very negative effect
on your life, if you let it. It’s as bad as an addiction,
always hanging over you, bringing you down, making it hard
to life your life the way you want to. In this article, we’ll
take a look at how you can recognize debt stress, and what
you can do about it.
The Symptoms of Debt Stress.
There are an awful lot of symptoms that can be caused by stress.
Some of the most common ones are: headaches, not being able
to sleep, feeling depressed and irritable, and being forgetful
and unable to concentrate on what you’re doing. If you’re not
sure whether your symptoms are related to stress or something
else, you should go and see a doctor.
Who Gets It?
Almost everyone who has debts is stressed about them. Debt
is blamed for millions of days off work every year, and is
one of the leading causes of suicide – it seems like most times
you read about someone who has committed suicide, their name
is followed by “who owed [a very large amount] in debts.” Students
and graduates are especially vulnerable, as debt is growing
amongst them faster than in any other group.
The average adult owes several thousands of dollars in debts
– and since that’s the average, it means that many people must
owe much more. Never forget that you’re not alone, and there’s
always someone worse off than you.
How to Deal With It.
Stress caused by debts is often considered to be embarrassing,
or shameful. People with lots of debts don’t want to talk about
it, even with their family, for fear of upsetting people or
looking like a failure. It is very important, though, that
you do talk about your problems, as keeping it all inside yourself
will make you much, much more stressed. It is especially important
that you talk to your partner – they are the number one person
who can support you.
The best thing to do then is to find two people: one who can
advise you, and one who can be a counsellor. That means a professional
who knows what they’re doing in financial matters, as well
as a psychologist or psychiatrist, or some other kind of counsellor.
Don’t let stigmas put you off – this is about your health.
The next thing to do is to have a good think about how you
got that debt to start with. See if you can find old credit
card statements. What did you spend the money on? You need
to sit down, work out a budget, cut unnecessary expenses and
try to free up as much money as you can to pay back debts.
Even if it’ll be a long time before you get everything paid
off, knowing that your debt is gradually going downwards can
be an excellent cure for debt stress.
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by SolveYourProblem.com
: 2006
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