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How To Stay Happy When You Are Struggling With Debt

How To Stay Happy When You Are Struggling With Debt

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Struggling with debt is never easy. As it plays on your mind and you get more and more worried about the situation staying happy can become a real challenge. If you have financial troubles then looking after your emotional wellbeing is important. Debt has been linked to anxiety and depression and so it’s essential that you focus on the emotional impact of being in debt as well as seeking practical advice.

Make a plan

You’re not going to be able to pay your debt off all in one go. That means you need to take steps towards becoming debt free. Work out which debts are costing you the most money or stress and try to deal with those first. Contact creditors as soon as you can to explain your situation and work out a payment plan. If you contact them early enough, most companies will be happy to come to an alternative arrangement with you. Once you have made your plan a weight will be lifted as you’ll be able to see a light at the end of the tunnel, no matter how far ahead it might be.

Don’t beat yourself up

You may be in a stressful position but beating yourself up over getting into debt will do you no favours. Accept the situation you’re in and try to move on from it. Getting out of debt can be a lengthy process and if you spend the whole time getting bogged down with feelings of guilt then you’re in for a really hard time of it. And in the end guilt won’t make your debt go away, so what’s the point?

Focus on the positives in your life

Of course, as you put all your spare cash into getting out of debt you’re going to have to do without some treats and luxuries. However, material goods aren’t what make us happiest. Focus on the good things in your life: your partner, children, career or your hobbies. Appreciating the things you do have in life will help boost your emotional wellbeing.

Seek advice

How To Stay Happy When You Are Struggling With DebtIf you’re not sure where to start with your financial difficulties or you’re not quite sure of the best and quickest way to eradicate your debt then you’ll find plenty of advice is available to you, often for free. Contact your local Citizens Advice Bureau or National Debtline, who will be able to point you in the right direction. Asking for advice can be difficult but it will help you feel so much better in the long run.


As well as professional money advice, it’s often helpful to have a friend or family member to lean on for support. Confiding in a trusted friend can help you get things straight in your head as well as making you feel less alone.

Stay active

It’s a well-known fact that exercise boosts mood. Therefore, it’s wise to stay active and get plenty of exercise. Worrying about money can really bring you down but a brisk walk, a run or a bike ride can help clear your mind and won’t cost you anything.



About Maria Brett

About Maria Brett

Maria is a freelance writer with over 10 years' experience producing content for a variety of publications and websites. When not working or looking after her two gorgeous sons, she can usually be found playing flugelhorn in a brass band, helping out at her local hospital radio station, shouting at the television while watching Formula 1, at the cinema or plonked on the couch with a cold glass of wine.

Website: Maria Brett

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