{"id":2599,"date":"2024-05-28T11:14:49","date_gmt":"2024-05-28T11:14:49","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/?p=2599"},"modified":"2024-06-30T16:53:56","modified_gmt":"2024-06-30T16:53:56","slug":"5-ways-to-overcome-debt-stress","status":"publish","type":"post","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/5-ways-to-overcome-debt-stress\/","title":{"rendered":"5 Ways to Overcome Debt Stress \u00a0\u00a0\u00a0"},"content":{"rendered":"\n

 <\/strong>Overwhelming debt can cause enormous stress, including anxiety and depression. Whether it\u2019s overspending, a salary reduction, or emergency expenses eating away at your savings, we have five tips to help you overcome debt stress.<\/p>\n\n\n\n

    \n
  1. Talk Openly. <\/strong>If you\u2019re depressed or anxious about money and your budget, don\u2019t keep it to yourself. Millions of other Americans are feeling the same way you are. Talk to a financial professional or someone you trust who is financially savvy about your debt. By discussing the issue, you may find that you feel a bit better about it and more importantly learn strategies to help whittle your debt down. If you prefer anonymity, consider Debtors Anonymous. Visit debtorsanonymous.org<\/a> or call 800.421.2383 for a meeting near you.<\/li>\n\n\n\n
  2. Be Open to Perspective. <\/strong>Are you healthy? Do you have family, friends, and loved ones? Focus on the good things in your life. Optimism can make a difference in taking the actions and steps needed to work toward positive changes.<\/li>\n\n\n\n
  3. Get Active.<\/strong> Do a full review of your finances, including expenses and any savings, investments, and\/or insurance. Having a big picture view of your finances and having conversations about it is the first step to working toward a solution that works best for you. Remember, even making small changes can help overcome the debt and reduce your stress. Fight the urge to shop for things you don\u2019t need. Additionally, throw out credit card offers as they arrive. Want to eliminate the temptation? Remove your name from promotional lists at optoutprescreen.com<\/a>.<\/li>\n\n\n\n
  4. Be Confrontational.<\/strong> Don\u2019t hide from bill collectors. Regain control by answering their calls. Just be calm, rational, and friendly. Explain your situation and ask for help to remedy the situation as part of the Fair Debt Collectors Practices Act.<\/li>\n\n\n\n
  5. Prioritize Spending.<\/strong> There are likely some expenses you can reduce or cut to help pay off your debt and reduce some anxiety. Review your budget and do what you can. Separate your expenses by wants (streaming services, new electronics, etc.) and needs (food, housing, insurance, etc.). Look for ways to cut items in your \u201cwants\u201d category.<\/li>\n<\/ol>\n\n\n\n

    Stories from the Stacks is Designed for You<\/h3>\n\n\n\n

    The Stories from the Stacks blog is for everyone. From those facing financial challenges to those who simply want tips or a better understanding of their relationship with money, this is designed for anyone interested in advancing their financial life story. Let us know what topics you’d like us to explore next!<\/a><\/p>\n\n\n\t\t\tNext Blog Topics<\/a>\n\t\t\t","protected":false},"excerpt":{"rendered":" Overwhelming debt can cause enormous stress, including anxiety and depression. Whether it\u2019s overspending, a salary reduction, or emergency expenses eating away at your savings, we have five tips to help you overcome debt stress. Stories from the Stacks is Designed for You The Stories from the Stacks blog is for everyone. From those facing financial […]","protected":false},"author":7,"featured_media":2600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_subtitle":[""],"attr_date":[""],"attr_excerpt":["Whether it\u2019s overspending, a salary reduction, or emergency expenses eating away at your savings, we have five tips to help you overcome debt stress."],"attr_secondary_image":[""],"footnotes":""},"categories":[1],"tags":[27,10,25,11,8,26],"class_list":["post-2599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stories-from-the-stacks-blog","tag-budgeting","tag-build-wealth","tag-debt-stress","tag-financial-wellness","tag-money-mindset","tag-overcoming-debt"],"yoast_head":"\n5 Ways to Overcome Debt Stress \u00a0\u00a0\u00a0 - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Ways to Overcome Debt Stress \u00a0\u00a0\u00a0 - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\" Overwhelming debt can cause enormous stress, including anxiety and depression. 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