Being in debt can put you under a lot of stress. Many try to ignore the problem or fail to recognise the problem.
If you run out of money before the end of every month, does not know how much debt you have, hesitates opening bank statements, you may have a debt problem. This can be distressing up to a point that you dread knowing who's on the phone every time it rings and even lose sleep worrying about your finances.
Debts are urgent, grow rapidly over time, and speedily spiral into a big problem. The earlier you deal with them, the easier they are to deal with. As debt is not just a finance issue, but feeds into all elements of your life, solutions are wide and varied; from cutting interest costs, budgeting, or simply where to find free, non-profit one-on-one help.
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