I’ve seen plenty of posts here from folks struggling with debt stress. It’s a big deal—research shows debt can really mess with our mental health. Forbes says 54% of people in debt feel stressed:
48% have trouble sleeping
40% feel more anxious
38% struggle socially
34% deal with depression
Suggestions like “try the snowball method” or “work more hours” pop up a lot, but they don’t always feel helpful. Some people are overwhelmed—dealing with medical bills, working tough jobs, or raising kids alone.
What advice would you give to help them handle their stress?
What worked for me was being upfront about it. Admitting there’s a problem and asking for help can sometimes get you the support you need. It might not work for everyone, but if you’re holding onto pride and it’s causing harm, let go of that pride and take steps to fix things.
I stopped blaming myself and consolidated some debt to lower payments. That helped me relax and focus on paying the rest. I also allowed myself small treats in the budget, which made things feel more manageable.
I turned paying off debt into a kind of game. Each payment feels like a win. It’s easier when you stick to a budget and focus on the goal. The worst thing is doing nothing.
Lex said:
I turned paying off debt into a kind of game. Each payment feels like a win. It’s easier when you stick to a budget and focus on the goal. The worst thing is doing nothing.
I do something similar with my son’s college fund. Anytime I resist a purchase, I put half the money into his fund. Feels amazing!
I made a plan and stuck to it. I cut spending, increased income where I could, and now I’m on track to be debt-free in 18 months. Having a plan made all the difference for me.
Dana said:
I made a plan and stuck to it. I cut spending, increased income where I could, and now I’m on track to be debt-free in 18 months. Having a plan made all the difference for me.
That’s great! What about people who feel stuck, like they can’t make more money or are drowning in medical debt?
@Blair
Even if it feels overwhelming, taking any action helps. Start with small steps like creating a budget or seeking advice. Just keep moving forward.
I walk a lot, so I started walking dogs for extra money. I also donate plasma, which earns me about $480 a month. Both have helped with the debt and stress.
Phoenix said:
I walk a lot, so I started walking dogs for extra money. I also donate plasma, which earns me about $480 a month. Both have helped with the debt and stress.
The biggest stress came from avoiding my debt. Once I made a budget and saw a clear plan, things got better. Free hobbies also helped distract me and keep my spirits up.
Glenn said:
The biggest stress came from avoiding my debt. Once I made a budget and saw a clear plan, things got better. Free hobbies also helped distract me and keep my spirits up.