When it comes to debt, many people dare not add up the amount they owe, or the total amount of their debt-related monthly payments. To do so would make it all too obvious that they have too much debt. Instead they focus on their ability to afford the monthly payments and skip on their merry way playing the business-as-usual game. And if they’ve been in debt long enough, that game may actually be easy to play.
But even if you do your best to avoid looking at your actual debt numbers, there are telltale signs in your behavior that will give it away in spite of your best efforts to ignore the problem.
You’re having trouble sleeping at night
Everyone has trouble sleeping from time to time. But if it is becoming a habit, it’s likely that your subconscious is trying to tell you something.
You won’t be able to sleep if you’re worried. It can even come in the form of “something is bothering me, but I don’t know what”. That something may be excess debt. On the surface, you try to block it out. After all, it isn’t an immediate problem. You may do this by immersing yourself in various projects, trying to keep yourself busy during your waking hours. But while you are laying in bed – with no activities to distract you – you subconscious may be keeping you awake.
The truly bad aspect about not being able to sleep is that it will actually magnify your problems, what ever they are. You’ll be adding fatigue to more tangible problems, like debt. And that will lower the chance that you’ll be able to deal with it in an intelligent manner.
You think about your debts – a lot
This is probably a better situation to be in than losing sleep – at least you’re consciously aware that you have a problem. Still, many people are aware enough to worry, but not enough to take constructive action against the problem.
You may even put on a happy face for others, but inside you are aware you have a problem. Continue Reading →