Sick and Tired? Debt Could Be To Blame

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Having too much debt is a problem for many reasons – it affects your monthly budget and makes it hard to save for the future or spend on the things you value most. It might require you to take an extra job and spend extra time away you’re your family, but most of all, debt can be really stressful, and stress is bad for your health.

Having too much debt has been linked to numerous mental health problems like depression, anxiety and related health conditions. Too much debt might literally be making you sick. According to a study cited by the Denver Post, people in debt are three times more likely to have a variety of common mental health disorders.

Here are a few tips to see if your debt is negatively affecting your health...

Disrupted sleeping patterns

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If you are staying up late at night worrying about your debt, or having trouble falling asleep because of concerns about your personal finances, this could be the start of a health problem. Getting enough sleep is important to maintaining your health. People who don’t get enough sleep are at a higher risk of depression, anxiety, and a variety of physical health problems. Not getting enough sleep also causes people to make more mistakes and have trouble concentrating at work – which can make it harder to put in the hours necessary to pay off your debt.

Marital problems

Disagreements about money and financial stress are leading causes of divorce. If you find yourself arguing with your spouse often about money, it could be a sign that you need marriage counseling. No matter how bad your debt might be, it’s better to get through it and find a solution as a couple, instead of adding to your debts by going through the costly and stressful experience of getting a divorce.

Harmful behavior

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When people are dealing with lots of debt, it often affects their body’s physical responses and thought patterns in surprising ways. For example, people with debt problems might often be frequently irritable or angry, they might start drinking too much, or using illegal drugs. People who have too much debt might also act disinterested about things that are usually important to them (this loss of interest in activities you used to enjoy is also a sign of serious depression). People who have severe levels of debt-related stress might also talk about suicide or feel that their lives are not worth living.

If you or a loved one are showing signs of serious depression or debt-related health problems, please seek help from a mental health counselor, psychiatrist, therapist, licensed clinical social worker or other health professional. Often people need help for the health-related problems that go with financial stress, just as much as they need help with setting a budget and paying their bills.

And if you or someone you know is considering suicide, please get help now. You can call the National Suicide Prevention Lifeline at 1-800-273-TALK (8255), anytime day or night, 24/7, to talk with a trained counselor.

Debt can be scary, stressful and sad, but there is always hope. Take care of your health first, and then you can focus on taking care of your debts.