If at the end of the month there is not enough money to pay off debts or pay bills, the concern takes over the routine. And if she is recurring, her physical and mental health can be impaired. According to a 2017 survey of the Credit Protection Service (SPC) and the National Confederation of Shopkeepers (CNDL), 69% of defaults are anxious when they face this reality.
Not everyone can gather strength to organize financially and preserve the quality of life. According to the survey, at least 16.8% of people who cannot afford to discount anxiety in some addiction, such as food, drink or cigarette. But with some care and new habits, you can get around more easily.
These findings are very serious, and now that you already know a little more about them, how about understanding better about it? Get to know 5 dangerous effects of debt on our well-being and learn what to do not go to statistics!
What are the effects of debts on physical and mental health?
The effects of debts on physical and mental health are varied. They do not always appear alone, and it is common for a person to deal with more than one at the same time. Now, let's show the 5 main cases, so you keep an eye!
1. Insomnia
About 54.8 million Brazilians are unable to sleep well because of indebtedness, as a survey by the Locomotive Institute shows in partnership with Trading Fácil, a digital collection service. Do you fit this estimate?
Insomnia causes numerous other health problems and complications. Far beyond stress and mind that never rests thinking about debt, this sleep disorder causes stave, fatigue, discomfort, strong headaches, eye burning and even obesity.
Lack of concentration and excessive tiredness of the body and brain still greatly impair productivity. Especially at work, after all, little confidence in financial life can become a great concern to the point of reducing focus and energy.
2. Anxiety
Anxiety is not linked only to the stress of thinking about how to solve financial problems. There are those who adhere to other harmful practices to try to supply this discomfort. The results of a 2016 national survey by SPC and CND showed that four out of ten delinquent consumers have a habit of making impulse purchases, including when they recognize the unfavorable scenario they are in.
Which makes everything worse and anxiety continues to rise. To top it off, there is still the frequent fear that it is too late to seek a solution, which generates delays in decision making and can aggravate finances again.
3. Low self -esteem
From the moment they are part of the list of debtors, according to the SPC and CNDL survey, 6 out of 10 delinquents are low. This is because they are unable to deal with the financial situation and, consequently, prefer to socially isolate themselves.
The shame of telling the family about their condition also interferes with the issue. Responsible for the support of relatives, especially, often carry an even heavier load in this regard, since the financial situation is directly linked to other people's welfare.
4. Depression
Those who cannot deal with debt are constantly under pressure and stress. And this can trigger depression, especially in people with genetic predisposition. Which is very worrying, because one in five people have faced, faces, or will face a picture of the disease at some point in their lives.
It is not difficult to relate the effect that debts have on a depressive individual. After all, he lives every day with the anguish of charges, anxiety to know how to solve the issue and the financial reality that is no longer well.
Given this, it is normal that he feels moody, unmotivated and pessimistic. Apathy towards the outside world, becoming a sharp situation, begins with debt, but can affect all other life priorities.
5. Gastritis
Searching consolation in food addictions, smoking and alcoholism is what intensifies the indebted numbers that develop gastritis. Since they do not hydrate or feed properly, prioritizing only the consumption of these products that are bad for health, the body's gastric cells are quickly destroyed.
Depending on the case, there are also that portion of individuals who depend on medicines, either for depression, or for other causes associated with indebtedness. The higher and the more constant consumption, the greater the inflammation of the internal parts of the body.
How to act to improve these symptoms and lead a quieter financial life?
So that you escape the “snowball” effect and can take better care of your physical and mental health, organizing your financial life must be a priority. But rest assured, because you don't have to despair to simply pay all debts at one time. On the contrary, it is very important to be calm to make smart and favorable renegotiations for your pocket.
It is possible, for example, to ask for lower interest rates or talk about a installment. Of course, with cash available, it is easier to achieve interesting conditions. However, when this is not possible, it is worth checking the real possibilities and being very sincere when it comes to negotiating and talking. Never assume a greater responsibility than you can at the moment, so that debts do not happen again.
Then, as soon as you have everything in order, invest in financial education tips to reestablish yourself. Learn how to save, save and make investments that really bring a good return.
With these good practices, you are free from indebtedness and police to maintain a monthly planning that ensures the best spending and account control. And still prioritizes your physical and mental health, which is most important! If you want to guarantee your well-being, you can count on us: The Uncomplicating Finance provides debt agreement, with discounts and 100% digital, with the monitoring of the agreement and the installments.
To learn more about how we can help you, go to our site right now!
