Is Your Debt Keeping You Awake At Night? |
Posted: May 9, 2017 |
Getting plenty of sleep is so important when it comes to your health. If debt is getting in the way of this important part of life for you, then it is important to know that you can do something about this, and you don't have to live this way. When you have a mind and heart heavy with financial strain, it makes sense that sleeping soundly is almost impossible. The fear of the situation getting worse is often a major cause of night time anxiety. The problem is, the more sleep deprived you become, the further your health deteriorates and for every night you're kept away worrying, the next night you will worry the same will happen again so the anxiety grows and the vicious circle continues.
Why Debt Keeps You Awake Being in debt can affect you, your family and even your friends. You might be missing rent or mortgage payments because you have a high interest payday loan or bad credit loans. Or perhaps you are struggling to put food on the table because the high charges on your debts are using up any money you have for living costs. Even loans without the high interest charges of bad credit loans such as guarantor loans, for example, can still be a worrying source of debt. Any debt is bad debt if you can't easily repay it. Perhaps threatening letter after letter fall through the door, and you worry about what will come next. Bailiffs aren't off the cards, and you worry what the neighbours will think, what they will take or how you will stop them charging you even more. This is a lot of stress for anyone to take, especially if you are keeping your debts a secret.
What To Do About It Sleep is so important, and your debt problems will only get worse if your health deteriorates through sleep deprivation. The first thing you need to do is speak to someone about your situation. Maybe this will be a friend, or a family member you trust. If you feel the burden is too much for a friend or family member, you must reach out to a free debt advice charity. The two key services to approach first are National Debtline and Citizens Advice Bureau. National Debtline is fantastic at helping with a practical approach to debt, and they can help you take the next step to managing your loan. Citizens Advice also have a lot of experience pointing you in the right direction, giving you unbiased recommendations and advice. It might also help to speak to your GP about the issue so that you have the support of your healthcare provider, although your priority should be tackling the main cause of the issue. Remember, you deserve help and you deserve to sleep again, and the sooner you can get help and advice, the sooner you'll be able to relax when you go to bed, and when you get up in the morning.
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