Sick of Debt

by Wendy on 19th December 2019

Sick Of Debt | Bury Chiropractic

Being in debt can affect your mental health. Money is far too easy to borrow, but it can be very difficult to pay back. Spending can be an addiction, or a necessity; today’s economic and political climates can put a lot of pressure on us.

A major concern with borrowing is that we can experience what is known as debt stress. This can manifest physically, with mental health disorders, headaches, heart disease, or insomnia. And this list is not exhaustive —there are many other side effects of debt stress.

What can I do about it?

To regain control of your finances —and your health:

● Seek help in the first instance. There are many dedicated organisations who want to help you.

● Get in touch with your creditors. Many will work with you to set up manageable payment schedules.

● Plan your budget. See if you can reduce your spending and stop incurring new debt.

● Use a debit card instead of a credit card.

● Destroy your credit cards.

● Pay off the smallest debt first and move on to the next. This gives you achievable goals, which can spur you on.

StepChange is the UK’s leading debt charity; why not contact them in the first instance? Their website is here: https://www.stepchange.org/how-we-help/debt-advice.aspx

You CAN regain your credit and get your health back. Once you have recognised that there’s a problem, you can start to help yourself.

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