Have the sniffles? Frequent headaches? Troubles in the (ahem…) bedroom? The way you worry about your financial situation or bad credit can make you sick.
Doctors and scientists have been researching the link between chronic stress and various illnesses for many years. While there is still a lot of disagreement, some findings deserve serious attention.
For instance, chronic stress (stressful situations that last for longer periods of time, rather than just single events) can lead to depression, insomnia, and even a shortened lifespan – especially for women.
What does this have to do with credit scores?
Bad credit is often a symptom of underlying financial trouble. It doesn’t matter if that trouble is because of poor decisions in the past or due to circumstances out of your control – like a job layoff, marital troubles, or an abysmal housing market.
Either way, financial trouble is one of those things that invades your thoughts day and night. Everywhere you look, you see things you need but can’t afford and piles of bills you just can’t pay. The phone rings and you cringe because you know it’s going to be a collection company on the other end.
You may be working two or three jobs just to keep a roof over your head and food on the table. Every day is one challenge after another. Life seems to go from bad, to worse, to hopeless. Why won’t anyone cut you a break.
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All this stress takes a serious toll on your health and wellbeing.
Why? Chronic stress, like that from ongoing money troubles, puts your body into a long-term version of the “fight or flight” response. These stress hormones are designed to help you escape danger, like running away from a would-be mugger, or to fight to defend yourself, like when your body just acts on reflex to slam on the breaks and steer to the side to avoid a car accident.
Behind the scenes, your pupils dilate, blood vessels expand to boost blood flow to your muscles, digestion stops and your liver dumps tons of stored blood sugar for a quick energy burst, your heart rate skyrockets, and breathing quickens. All these things help you think fast and act faster to avoid dangerous situations.
But when these stress hormones are elevated for long periods of time, your body systems go all out of whack.
Those dilated pupils and expanded blood vessels can lead to frequent headaches and migraines.
Interference with normal digestion increases the incidence of acid reflux disease, ulcers, irritable bowel syndrome, cholesterol troubles, and diabetes.
Your overworked heart and lungs increase your chances of developing heart disease and high blood pressure.
Chronic stress also contributes to depression, insomnia, a malfunctioning immune system, overeating and weight gain, acne and other skin ailments, muscle spasms, and memory loss.
The big question, then, is what can you do about it?
Healthy ways to manage stress
Make taking care of yourself a priority.
Try meditation and prayer. Get regular exercise. Take the time to do things you enjoy. Spend time with friends and family. Meaningful personal connections and experiences help lower stress hormone levels.
If you don’t “put on your oxygen mask first”, you will not be able to take care of the stressors in your life. Stress is also cumulative. The longer you put off dealing with it, the worse it gets. And when you are chronically stressed, you cannot think clearly through situations, limiting your abilities to problem solve and find answers.
Seek professional guidance.
Your health in nothing to brush aside. If you are feeling the symptoms of stress, there is trouble brewing in your body. Talk to your doctor. Get your blood work checked – blood sugar, cholesterol, liver function, and other systems can get off balance when you are dealing with chronic stress.
Team up with a fitness coach to develop a healthy routine that actually works with your crazy schedule. Take a yoga class at the local rec center or check out yoga videos from the public library. Doing yoga just three times a week has been shown to reduce stress significantly. If your stress levels are particularly high, talk to your pastor or spiritual leader. He or she can probably direct you to free or low-cost counseling services.
Address your credit problems with professional credit restoration.
The National Credit Educational Services credit restoration program is nationally recognized and sanctioned by the Internal Revenue Service as a nonprofit credit education and restoration company.
When you partner with NCES, we use our proprietary process to help you keep everything good about your credit and reverse the negative accounts to “paid as agreed”. We challenge outdated, inaccurate, and derogatory information in three consecutive rounds of communication to the credit reporting companies to get you the best, most lasting results possible.
We also believe in the power of education and include a great deal of educational resources in our restoration program. So once your credit is restored, you’ll have the skills you need to keep it in good shape for the rest of your life.
If you have any questions, please give us a call at 770-952-5168 or contact us online.
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Other articles that may interest you:
Pay For Restoration? But I Can’t Even Pay My Bills!
Education Is The Key To Financial Success
7 Ways to Improve Your Credit
This information is intended for informational and educational purposes only and not as legal advice. If you have concerns about your credit report, harassment, identity theft, illegal collections activity, garnishments, or property liens, you should consult an attorney who specializes in consumer rights and defense.