This month, I’ve decided to write about debt, or, in a more positive term- having financial obligations.  As millions, including myself, have suffered through loss of income(s) and/or work, career, or business within the past year in a half.  It leads to physical, mental, and emotional distresses.  The following is from a manual that I recently read, called “Debt Relief Secrets”.  No, I’m not going to reveal their secrets, but use their explanation how debt wreaks havoc upon us.  I will reveal how I can help people to release these issues, as I have helped myself over the last year and a half.  Keep in mind that this manual came out well before the pandemic came upon us.

Debt Relief Secrets

Overwhelming debt can wreak havoc in your life, beyond merely damaging your credit score.  It’s stressful and can ruin your piece of mind.  The good news, though, is that you can get help with your credit card debt and feel safe and secure again.

We’ve all heard the saying “Money can’t buy happiness.”  Sounds pretty brilliant, right?  Except the creator of that phrase probably didn’t have an empty bank account and a massive stack of unpaid bills.  While money cannot literally purchase happiness, it’s definitely the only thing that is going to pay your bills.  While paying them does nit always provide a considerable surge of joy, it certainly helps with relieving some of the burden and anxiety coming from your dark cloud of debt.

On the flip side, it is difficult to fathom anyone feeling any sort of happiness or relief over unpaid bills.  There may be psychological condition out there that causes people to find joy in bankruptcy, but scientists have yet to discover it.

At a minimum, we all want to provide for our families, enjoy some leisure time, and plan for our future.  Having sufficient funds to pay our bills makes all of that possible.

When the necessary money doesn’t exist, we feel trapped.  We become confined by what we can afford to do or where we can afford to go.  Whether it’s visiting family, friends, or just taking a weekend trip, the debt is always there hanging over you.  It’s a very stressful situation to deal with and can actually lead to a whole new array of issues that have nothing to do with dollars and cents.  It causes profound psychological strife.

The effects are more severe than you might realize, and can include impaired cognitive functioning and lower self-esteem.  You may not be able to think properly, remember, learn, or solve problems.  It can impact your confidence to tackle the problem, even if you weren’t already preoccupied with worrying about how you’re going to keep the lights on.

Debt can literally hurt and the pain can be severe.  Here’s a number that may shock you at first, but then leave you unsurprised after a bit of thought: a study of 33,720 households in the United States, published by the Psychology of Science in January 2016, showed that out of those households, people in the unemployment brackets were more likely to buy over-the-counter painkillers.

This is a staggering revelation, but not totally unexpected when you think about it.  Financial troubles cause so much stress and insecurity that it can lead to feelings of physical agony.  In fact, people said they experienced twice as much physical pain when they were financially unstable co