Keep Your Sanity While Becoming Debt Free

Anyone who has or is experiencing debt issues, the repercussions seem endless. Late payments, threatening phone calls and having bad credit are all major causes of concern. Not only do these problems cause concern, they also cause health problems. When people experience the pitfalls of losing good credit, they also lose a sense of well-being. Their self-esteem falls along with their credit score.

The correlation between debt and health and the consequences seems imminent. The cause and effect factor of debt and stress is a prominent problem and is on the rise. What can we do to stop it? Of course the simple thing to do would be to eliminate it all together. Cut up the credit cards, get rid of high monthly payments and skim off the top of all expenses. But in reality, some of these options are not as easy as it may seem.

The fact that debt causes stress is not surprising, many adults seem as though their world is spinning out of control and every painful collection call, every late notice and constant worry about being able to provide for themselves only make matters worse. In order to break free from the firm grasp of debt, one needs to realize that they have to take charge of themselves and move forward. Of course, it has to come with a plan. You need to really get a grasp of where you are financially and where you want to be. Bridging the gap between the two is the hard part, but with dedication you can get there.

You need to recognize if you are feeling unusually stressed or fatigued, and don't shrug it off. These are all signs that you really need to make some alterations to your finances and your life. If you find yourself exhibiting some of the symptoms below, you may be affected by debt induced stress:

Physical and Mental Fatigue – feeling drained on a regular basis
Mental Cloudiness – having trouble forming thoughts
Lack of Concentration – easily feeling distracted
Sleeplessness – inability to fall asleep or stay asleep
Feeling helpless – feeling everything is out of your control
High blood pressure - feeling stress
Nervousness – never feeling at ease
Edginess – feeling easily agitated

These are real symptoms, both physical and mental and need to be addressed. Ridding yourself of debt will do much more than raise your credit score. It can also balance other areas of your life and improve your health and well-being. Once you are free from the hold of bad credit and debt, you will allow yourself to once again be on the way to leading a healthy life.