How to relieve the stress of debt?

 Unfortunately modern society has so trained most of us that the only way we can live is in debt.  It used to be in the old days that when you wanted to buy something, you had to save your money for a period of time, bit by bit until you had enough saved to purchase what you desired.

Debt is stressful because no one wants to owe anyone anything, it creates inner turmoil in many people.  How do you go about getting rid of the stress?

First you have to decide honestly why you are stressed.  Is it because you get 69 collection accounts per day at home and at work?  Is it because your creditors jack you for every fee they can and you feel powerless because if you don't pay they they will profane you publicly to the world as a deadbeat debtor?  Or does the stress come from an inability to pay?

Given the current state of economic conditions, many people find them selves out of work and unable to pay their debts, or they became overextended because they ignorantly took on took much debt and the creditors baited them like you bait a kid with candy.  In any event, there is no reason to be so harsh on yourself.  You are the sum and total of all your thoughts up to this point. Change your thoughts, change your life, eliminate stress.

Someone close to me once used to say quite often, " I would rather owe it to you than cheat you out of it!".  As long as you have not dishonestly and potentially fraudulently incurred debt with no intention to pay, I say the stress is easy to deal with.  Most stress is generated from within, except for those 69 phone calls a day.  These calls can stress anyone out.  Screen your calls. Turn the ringer off and never answer the phone.  Only review messages and return calls to those who you wish to speak with.  Talking to debt collectors is bad for your mental health.

To deal with any stressful situation, you need to remove yourself (YOUR MIND) from the situation.  Change your thoughts.  Sit down and take some deep breathes and count to 10 quietly.  Think about someone you love or your pet!

And know if you cannot pay, you cannot pay, if you are jobless and buried in bills, identify the critical items you need money for:  Food, water, shelter, electric, transportation (in case you find a job).  Don't be so quick to pay your money out once you receive it.  huge numbers of people today don't have enough money to pay their bills.    And be assured they did away with debtors prisons years ago, so unless you committed fraud, stress should be easy to overcome as you are the creator of the stress.