The average American owes $51,900 in debt. 的51美元,900, $35,660来自抵押贷款债务, $5,610来自学生贷款, 和4美元,760来自汽车贷款.1
Little wonder that money worries can be a major cause of stress.
Humans have an innate response called “flight or fight.” It is nature’s way of launching our bodies into action; consider the physical responses we feel during moments of stress—faster heartbeat, 呼吸加速, 收紧肌肉, 出汗增多.
These are response mechanisms that prepared our ancestors to run from, 或面对, 大草原上的危险. But they can be less useful in more modern times.
在短期内, stress can manifest itself in physical symptoms, 如头痛, 乏力, difficulty sleeping or concentrating, 一个肚子痛, 和一般易怒.
These brief episodes of stress usually do not cause lasting harm to personal health.
However, debt—and the stress it causes—is often a persistent problem. If your stress system stays activated over longer periods of time, it can lead to serious health problems, 比如体重增加, 心脏病, 焦虑, 抑郁症, 头痛, 和睡眠问题.2
If you are experiencing debt-related stress, you should consider attacking the root of the problem. 一般, 减少债务需要时间, but that doesn’t mean you can’t manage the stress during the interim period.3
Developing a strategy to eliminate your debt is the first step to lowering stress, since the sense of control that a strategy gives you might furnish you with hope and optimism.
It’s also important that you keep your debt worries in perspective. Remind yourself that debt may not permanently ruin your life. Writing in a journal can be helpful as an outlet to the worried thoughts that can cycle endlessly through your mind. Seek social support—knowing that family and friends are in your corner can be a great source of strength.
最后, find time for laughter and extending small kindnesses—each unleashes wonderfully positive chemical reactions that are good for the soul and the body.
2. MayoClinic.org, 2019
3. This is a hypothetical example used for illustrative purposes only. It is not representative of any specific debt-reduction strategy or approach.
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