The Really Bad Side
By Jay Jackson
In all the information and discussion about credit card debt there is one
thing that gets largely ignored. Stress. Credit card debt is extremely stressful
and can have a very negative effect on your life if you let it.
Itís very difficult to not feel its effect but you can learn to deal with it
more effectively. Stress is as bad as an addiction, always hanging around,
bringing you down, making it hard to live your life the way you want to. If you
can recognize it you can deal with it.
The Symptoms of 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 youíre doing.
If youíre not sure whether your symptoms are related to stress or something else
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. 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 debt. Since thatís the ďaverageĒ it
means that many people must owe much more. Never forget that youíre not alone
and thereís 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 donít 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. Keeping it all inside yourself
will make you 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 is to find two people: one who can advise you and one
who can be a personal counselor. That means a professional who knows what
theyíre doing in financial matters, as well as a psychologist or psychiatrist.
Donít let the stigma put you off, this is about your health.
Get on a solid plan to get out of debt and manage your finances. Figure out
how you got that debt to begin with. Understand the problem and work out a
budget. Cut unnecessary expenses and try to free up as much money as you can to
pay back debts.
Jay Jackson writes, and publishes free, simple and easy
debt elimination so you can have your life and paycheck back. More comprehensive
and simple tips are found on his website: