Money tops the list of people’s everyday worries, and nearly everyone who’s living with debt feels stressed about it from time to time. It’s only natural, and it’s often a useful emotion that can spur you on to tackle your problems and overcome them.
Unfortunately, debt-related anxiety and panic can sometimes start to take over, ruining your general quality of life. Here are some of the danger signs to be aware of, plus some tips for getting back in control again.
Are you one of life’s worriers?
One important thing to remember is that the majority of the bad things people worry about never really happen. Most of the time our worst fears are not fully realised.
Yes, being in debt can be scary, terrifying, even. But asking for help and creating an action plan usually means that you can beat your debt problem. There are many valid options and solutions available to you.
Next time you find yourself worrying about money, try to address these anxious thoughts in a practical, positive way. Take a deep breath, then remind yourself that there is help and support out there, and that you are working to get rid of your debt.
Mind, the health charity, has some excellent advice for people who are plagued by worries. Check out their How to Stop Worrying information.
Signs of anxiety
Sometimes, though, the situation goes far beyond worrying, and you may find yourself suffering from more severe anxiety and panic.
Stress and anxiety affect everyone differently, but here are some things to look out for which might suggest your stress levels are getting too high:
Constant feelings of tension and restlessness
Irritability or lack of patience
Difficulty concentrating
Problems with sleep patterns
Muscle tension or headaches
Shortness of breath, dizziness
Irregular heartbeat
Sweating more than usual
Going to the toilet more frequently (bladder or bowels)
Help for anxiety and panic sufferers
Taking practical action over your debts, getting some gentle exercise on a regular basis, eating healthily, and limiting your intake of alcohol and caffeine can all help to reduce anxiety levels.
The NHS is an excellent source if information and help, with resources for anyone who is under stress or suffering anxiety, and practical tips for fighting your fears.
Mind has a great booklet about coping with panic attacks too.
If it’s all getting too much then don’t suffer in silence. Contact your GP for support, advice, treatment and referral to other helpful professionals and organisations. There’s also a No Panic helpline (UK free phone): 0808 808 0545, if you are in crisis.
Have you suffered from stress or anxiety in the past because of your debts? If you have any tips that might help others in the same situation, please pass them on.
{Image: Krysten Newby}
