Debt Stress – a silent killer
Dealing with Debt Stress
One of the untold elements to dealing with debt is the stress it causes. That stress feeds into all elements of your life. Sadly many people in debt soon find their relationships with family, colleagues and friend also in trouble. Debt stress can soon become work stress which can put you in danger of becoming unproductive or even losing your employment. Often times debt stress can leave you restless or unable to sleep at night. Less rest means you are more susceptible to further stress. It is a vicious circle.
One aspect of dealing with debt therefore is learning to deal with stress as a whole. Learning how to improve in this area can stop the stress cycle and in fact can help in dealing with your debt and its causes as well.
Here are a few ways you can reduce your stress and not let your stress levels effect you at home and work.
Lets first look at a few short term solutions to get the ball rolling.
• Count to 10 before saying something you will regret. Really try hold back. Quitting your job will not solve your problems. Shouting at your family will not make you a happier person.
• Switch to decaff coffee or herbal tea
• Listen to your favorite song. It’s a great way to take a time out and regroup.
• Remove yourself from the problem and go for a short walk in the fresh air
• Take nice deep breaths
• Have a 20 minute nap (preferably not at your desk at work though).
• Hit the gym when feeling overwhelmed
• Have a soothing bath with your favorite bath salts or bubbles.
• Learn to say No. You cant please everybody all the time
The last one here is probably the most important. Being overloaded with too many obligations and not delegating will soon have you overwhelmed and prone to stress. In many cases asking if you can have a bit longer to accomplish a task or turning the task down is the best way to remain in control. Do not assume you are a multitasking guru.
What about bigger/ long term solutions?
• Talk to somebody, parent, friend, boss or professional about the pressures you face.
• Always take a lunch break at work, clear your head and get some perspective. Even if you work for yourself.
• Do fun things as a family, including chores, preparing meals and lunches for the next day.
• Join/Start a dinner club, where each week one family hosts the meal and all contribute towards the dinner. This way you get to spend time with your friends, and have one less night on which you have to cook.
• Each morning make a plan for the day where you delegate tasks and deadlines that need to be met. Why not write things down. It really works and makes you focused and productive.
• Take your dog for a walk each evening or early morning to clear your head and give Fido some attention. Alternatively go for a jog. Its healthy and will help you think things over in a non pressurized environment.
• Attend a Yoga or Pilates class at least once a week if you are a member of a gym.
If you are experiencing debt stress another positive thing to do is talk to a professional, such as a Debt Counsellor. Sticking your head in the sand and ignoring the problem will not make it go away. In fact the situation will become harder and harder to deal with the longer you leave it out of control. Getting help from a professional can be a huge source of relief.