What many people fail to appreciate about debt problems is just how much they can affect other areas of your life.
For example, a friend might complain that you are no fun on nights out anymore. They might not realize that it is because you cannot really afford to buy the drinks and food you are consuming. However long you have known them, you might still feel ashamed to reveal the truth – that you are in more debt than you can handle.
Perhaps you and your spouse have been arguing about things a lot more than you used to. This could be cause by the financial strains you are both under. You each feel guilty about spending anything on yourselves because you think the other will judge you for it and say that money should have gone to paying off your debts. The constant financial tension you are under puts you on edge, meaning even minor issues can trigger a full-blown argument.
Physical health problems can result from debt worries
Staying up all night, every night, worrying about creditors’ demands, will leave your mind and body exhausted. It will weaken your immune system and leave you more susceptible to illness. Mental stress can also sometimes show itself as physical injury. That pain in your back that you can’t seem to shift – it might not be a chiropractor you need, but help with your financial situation.
Carrying on as you are will likely mean things worsen. Getting legal guidance to examine how solutions such as bankruptcy can help you take control of your financial situation can help you regain control of the other aspects of your life that have also suffered.