|
Author: Ken Austin Article source: http://debt-elimination-program-reviews.blogspot.com/. Used with author's permission.
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 recognise 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 many thousands 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 begin 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
Ken Austin is the webmaster at Debt Consolidation Solutions and Credit Relief Solutions
Yachats, OR: An Outdoor Lovers Paradise on the Oregon Coast
Yachats, Oregon is not a tourist destination for people who
consider shopping in factory outlets and going to plays their
type of vacation. What it is, howeve...
What You Must Know About Trampoline Safety
Tumbling on the trampoline caught on like wildfire in the
early 1960s, and still enjoys great popularity today, but
the sport also still involves the same poten...
How to Achieve E-commerce Success –You Gotta Plan!
Want to achieve success in e-commerce, and create a website people will WANT to visit and buy from? Here are some tips to help you get started.
The Nature of Prayer
In our modern world of science, we're sometimes tempted to think of prayer, petition, and merit as a mathematic equation. "Pray about X for Y number of hours, f...
Making Money with Affiliate Programs – Part II
In this holiday season online shopping is hotter than ever!
According to US Commerce Department online sales continue to
grow with a robust 25-27 percent this...
MLM Network Marketing - Why Failure Rate Is so High?
It is possible to succeed in any good MLM network marketing program with commitment and long term perspective.
Top Ten Reasons To Start Creativity Coaching
Can you see yourself working as a creativity coach? Take some time to explore all facets of your creativity, whether you are a hobbyist or a veteran performer. ...
The New Morality
In a world where dynamism alters egos and principles in a man every second, where men divest in tenets that secure them from being devout to something natural, ...
How To Choose Your Wedding Cake
One of my favorite parts about the wedding, is the cake. Over time many things have changed with weddings, but one thing that stays the same, there is always a...
What Gals Really Want For Christmas!
Christmas is coming and the goose is getting fat. Make sure your goose isn't cooked by misreading the clues the lady in your life gives out to help you buy what...
Words That Inspire - PEACE
A motivational newsletter that hightlights a word, it's relevance to you and asks questions on how to enhance your professional and personal lives, all in 45 se...
Look Good on Voice Mail
Your use of voice mail tells others a lot about you. Here's how to make a good impression.
Unleash Your Unlimited Power
Your Non-Conscious mind is about 50 times more powerful than your conscious mind. But there is something that is about a million times more powerful than your N...
Small Business Pricing Strategies
It's tough out there, particularly because of layoffs and our sluggish economy. So what's a small business entrepreneur trying to make a living to do? Try these...
How You Feel Affects How You Shop & How Much You Spend
Article points out the downfalls of shopping when your mood is not right. Being upset, angry, or depressed can have drastic consequences on your pocketbook afte...
Fair Isaac Corporation Credit or FICO Score
Anybody in the US who is concerned about their credit report has probably heard of FICO score. But what is FICO? And how is the credit score calculated?
Welcoming the Unexpected
Human beings are wired to resist change or the unexpected. The weather takes a turn for the worse, we resist. We get caught in traffic. We resist. What if i...
Cell Phone Plans: Prepaid & Postpaid Plan
Read about the different cell phone plans available and learn whether a prepaid or postpaid plan is best for you.
God Is Waiting To Bless Me
This is an article about how I came to the decision to move to Guatemala and become a teacher at an International school.
Benefits of Bee Pollen Supplementation
Since ancient time bee pollen has been considered as an ultimate health food in many ancient text and legends. Bee pollen has since then been praised as being a...
Market Your Ezine Properly, So You Grab Every Visitor To Your Website
When marketing ezines, most people use sign-up forms or pop-up forms on a current website. This may not be new to most people, but here's another spin on it. I...
Protect Your ClickBank Products from Online Theft
One of the biggest problems faced by ClickBank merchants is the risk of content theft - people downloading their digital products without paying for them. To g...
Vet Check: Well-Bird Check Up
There are differing opinions on the subject of well-bird check ups. Some people believe in having your apparently healthy parrot checked out once a year by a qu...
The Eyes of the Clown
Clowns tell us -- if we listen -- that something wonderful really can happen, right there, right here, right now. You too can see with the eyes of the clown.
|
Print this page