[Y]ou jump when the phone rings, hit “Ignore” on your cell phone when a number you don’t recognize pops up, and dread getting your mail from the mailbox. Pay day isn’t something to look forward to because you have to figure out which bills to pay and which ones to postpone. And you dread the day when you can no longer juggle your creditors.
If this sounds like you, then it means you understand the meaning of financial stress. It’s difficult when you live from paycheck to paycheck and cannot meet all of your obligations. It’s even worse when creditors start contacting you about your debt.
Financial problems can cause serious stress that extends into other areas of your life, including family and other relationships, your physical and emotional health. Unless you win the lottery or get an inheritance, you can’t make your problems magically disappear, but you can learn how to deal with the stress.
• Exercise – exercise is one way to get rid of the adrenaline that accumulates in your system when you’re dealing with creditors; it can help relax you and make you feel better
• Get plenty of sleep – this is often a tough issue because you think about all of your bills when you’re lying in bed trying to sleep. Try some natural remedies or even talk to your doctor about medication to help you sleep. You’ll feel better able to handle problems after a good night of rest.
• Eat healthy – when you snack on junk food, your body and brain feel drained and tired. Eating healthy gives you more energy and helps fight off depression.
• Don’t avoid the problems – ignoring the problems don’t make them go away. Instead, talk to creditors or even a financial counselor to help you come up with a plan to resolve your financial issues. It may even mean filing bankruptcy, but a solution will help you feel more in control.
• Find someone to talk to – most people don’t like to share their money problems with others, so they deal with things on their own. Having a friend who can support you will make you feel less alone, and they may even find a solution for you.
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