Dealing with Debt Stress

Stress while in debtFacing a pile of mounting debt can be extremely stressful. Constant phone calls from creditors and threatening collection notices in the daily mail both contribute to feelings of anxiety and helplessness. Sometimes, it may feel as if there is no way out. Fortunately, there are things you can do to help alleviate the situation.

Stress is Serious

Prolonged stress can have a severe negative impact on health. Left untreated, stress could result in high blood pressure or heart disease. Other consequences could include frequent headaches, insomnia, and fatigue. Stress can even cause a person to have difficulty controlling anger which can lead to problems at work as well as relationships with family and friends.

Sleep is Vital

Sleep is an important component of stress reduction. Lack of sleep can cause irritability, lessen productivity, and create an inability to concentrate. The fatigue that often occurs from lack of sleep can also result in decreased decision-making abilities making it even more difficult to cope with debt. People who experience difficulty sleeping should talk to their doctor to see if there are any medical causes. The doctor may also recommend a variety of relaxation techniques or may even prescribe medication if necessary. Establishing a regular nightly routine and shutting off the television or other electronics at least one hour before bedtime can also help.

Exercise is Essential

Exercise for healthExercise is a valuable tool in the fight against stress. It causes the body to release pleasure-inducing endorphins, which help to lower anxiety and stress. Exercise will positively impact health as well as firm and tone the body. This may result in greater self-confidence. Having more confidence may make it easier to tackle those debt related issues.

Help is Out There

Alleviate stress immediately by seeking professional debt advice. A debt counselor can provide assistance by intervening on your behalf with creditors. A company like ZipDebt will work with you to establish a viable debt reduction program that may include lowering interest rates and eliminating late fees or over-limit charges. A debt counselor can also help establish a budget and reinforce skills that will help to avoid problems with debt in the future.

Dealing with debt can cause major stress and anxiety, which can have a significant negative impact on health. It is important to take steps to alleviate stress as quickly as possible. Getting enough sleep, exercising, and seeking professional debt advice are all important aspects of a stress reduction solution.

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