Having the burden of too much debt can affect your health in many ways. The signs of this stress and anxiety can make themselves seen firstly through lack of sleep. You can be kept awake night after night with the thoughts about how you will pay your bills running through your head. You can experience anything from mild to severe depression. The signs of depression range from sleeping too long or not enough, loss of appetite, lack of interest in things you used to do or just plain irritability. If you feel that severe depression is a problem seek the advice of your doctor who may be able to put you in touch with someone who can help you through the difficult times.
Another sign that you might be depressed is a lack of focus at work or at home which can also lead to memory problems. Trying to cope with the stress of debt can take the forms of negative coping. Some forms of these are using drugs or alcohol, gambling to try to erase the debt or finally smoking or overeating. Your body could also exhibit signs of stress through headaches, backaches or neck and shoulder pain. There could also be weight gain or loss associated with the stress of debt. The long term affects of debt stress on your body include increased risk of diabetes, heart disease or small infections like the cold. It can also restart previous illnesses like cancer or chronic pain. This could lead to an increased number of sick days out from work which will only increase the stress.
The first thing you will want to do to reduce your stress from debt is to work out your monthly bills and decide if you will need help resolving your debt problem such as through a management agency. Secondly, implement an exercise program into your life. This will help you lose weight and get rid of the stress. You will also sleep better at night because you will be less stressed from working out. Another solution is to get rid of all the extra credit cards you do not need. This will help reduce your spending and help you get a handle on your finances. You will want to get a free credit report so you can see where you stand and make improvements if necessary. In some cases, it may be necessary to find ways to make a little extra money such as by selling unwanted items on ebay. Once you get your debt managed, save some money in a bank account or set up savings plan or investments so you can continue to be debt and stress free. There is another possible solution,
If you have credit agreements taken out before April 2007 there is a new unenforceable credit agreement claim which is becoming more and more known about here in the UK. It is possible to have your credit finance agreements -agreements such as credit cards, store cards, secured and unsecured loans, car finance agreements, and those with payment protection insurance ( PPI) 'audited'. They may not comply with the terms of the 1974 Consumer Credit Act and if they do not they are unenforceable credit agreements. This means you can claim to have them written off. That is the balance completely cleared. For a fee of £295 which is refunded if your credit agreement is found to be enforceable, a solicitor with handle your claim. This is on a no-win-no-fee basis so it is risk free. Many people like me, have found this to be the perfect solution to there debt problems.
Visit http://www.creditcardswrittenoff.com for more information. Regain control of your life. Hello from Julie Ashton. I am a teacher, mother and business women. When my marriage ended in divorce and my business struggled I learned all about the burden of debt from personal experience. I was to become an expert and teacher in a subject I had never considered before. I know, from first hand experience how it feels to be struggling with debts. There is a way out. Contact me at http://www.creditcardswrittenoff.com Article Source: http://EzineArticles.com/?expert=Julie_Ashton |  |
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