How to stay free from debt stress

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Knowing how to stay free of debt stress will not solve your debt problem but it can decrease the risk of serious physical and mental illness. Any type of stress is bad news when it comes to health as worrying about debt can lead to a number of serious health issues.
Debt stress and health
People who are in serious debt can add to their problems simply by worrying too much. The debt stress/ill health connection has been well documented and it doesn’t just amount to a few nights without sleep. Debt stress has been known to lead to serious health problems ranging from migraines, ulcers, and depression, to severe anxiety attacks. The worst case scenario is that the stress can lead to cardiac problems and ultimately to heart attacks.
High stress levels from debt
Medical reports have shown that people who experience high stress levels due to debt are more prone to health problems. These health problems can be physical, mental or both. People who suffer from stress will usually have trouble sleeping and be more prone to bouts of bad temper. The knock-on effects of this stress will include absenteeism from work and seeking relief in alcohol or other addictive substances. Worrying about debt will not solve the debt problem but only increase the risk of serious illness.
Avoiding debt stress
A great many people who find themselves in uncontrollable debt have a tendency to simply bury their heads in the sand. This is not the way to avoid the problem; it is simply putting off the inevitable and will lead to greater amounts of stress. Debt problems should be confronted as soon as the problem looks serious and there are a great number of agencies that will be able to offer advice and assistance. If you are having problems coping with debt, then talking to the lender should be the first port of call. Lenders should be able to reduce payments or offer longer repayment terms as an alternative.
The main priority
The main priority when it comes to debt problems is to reduce the payments. If you simply let payments mount up then the interest will also mount up. The next step for lenders will be read letters and phone calls to the debtor. This is when stress comes into play. The debtor will avoid phone calls and avoid opening letters. Inevitably the debt will be passed on to a debt collection agency. Talking to lenders should prove to be positive when it comes to reducing payments; it will also immediately reduce your own stress levels.
Understanding stress
•Debt stress is no different from any other type of stress, the only difference is the cause of the stress. There are certain ways to counteract the stress and these can include:
•Decrease stress inducers such as caffeine or fizzy drinks
•Smoking will not reduce stress but stress can lead to increased smoking, so avoid this if possible
•Maintain a healthy diet including vitamin B rich foods such as tuna, eggs and whole-wheat foods
•Exercising each day is a good stress reducer
•Take breaks to reduce stress and do an activity that brings pleasure
•Talk to other people about your problems, do not isolate yourself
•Think positively; this situation will not last forever
Talking will help
As the saying goes, a problem shared is a problem halved and when it comes to debt you are not alone. A huge number of people have found themselves in uncontrollable debt situations at one time or another throughout their lives. Debt is one of the most common problems and also one of the most stressful for a great many people. Talking to people will help alleviate some of the stress. Simply talking to someone will reduce stress levels and bring real solutions to the problem.
Source: goingdebtfree.co.uk
http://www.punchng.com/am-business/how-to-stay-free-from-debt-stress
culled from Punch

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