The two dominant feelings that accompany debt are shame and fear. You and your contacts with your loved ones suffer. It is not a simple task, but not impossible. A calm head, a larger home budget and the admiration of loved ones are worth every effort.
Debt is not just money
According to research carried out by the Center for Research on Economic Behaviors, 55% of Poles consider being a debtor as shameful. This is often the cause of tremendous stress. Insomnia, neurosis, anxiety attacks, addiction and even suicide are some of the effects of stress associated with unpaid debts. Frustration and a sense of powerlessness negatively affect contacts with loved ones. Mutual grievances and accusations contribute to the breakup of relationships. Of course, children suffer the most. Not only because we can’t provide them with everything their peers have, but primarily because of the atmosphere at home. Tomorrow’s uncertainty, bailiff’s visits and parents’ quarrels are, especially for younger children, a great mental burden.
Exit the debt loop
People who managed to get out of debt say that all the positive changes began when they stopped tolerating their debts and took control of them.
One of the main reasons for being in debt is a lack of knowledge and information related to the problem. Do not tame the thoughts of debt, meet them. Instead of considering black scenarios, it is better to plan what is possible to achieve in the near future. In the first stage, the lowering of the standard of living is the most painful thing. Organizing finances in the future will motivate you to action and allow you to quickly compensate for losses. The most important is to learn to look for solutions and hope, and to draw knowledge and new experiences from crisis situations that will pay off in the future. You will find that there are no situations that you cannot escape victoriously. Your family, work colleagues and even neighbors will see you as a winner.