Emergency Loans and Stress Relief

Monday, November 9th, 2009 By

Twenty-four hours ago . . .

Back aches (and hair pulling) may be signs of financial stress (photo: flickr.com)

Backaches (and hair pulling) may be signs of financial stress (photo: flickr.com)

Yesterday afternoon I was suddenly put out of commission by an excruciating lower backache. It was so bad I could barely move, and for the next 24 hours I couldn’t focus on my work at all.

Had I gone to a doctor, I would have had to take out an emergency loan just to pay the bill. Fortunately, my back feels better today and I’m back in business. (Coffee actually seemed to help . . . but that’s another story!)

Is money stressing you out, too?

Stress is blamed for a myriad of health problems, but it seems that the medical industry has forgotten this.  Instead, doctors write prescriptions for everything. Drugs are handed out like candy today, but is anyone thinking about how stress affects your immune system? If I may be completely honest, yesterday’s back pain was induced by my worries of how I will make ends meet if I buy the house I’ve been looking at recently. I can afford it on my current income, but finances would be very tight, and there’s a possibility that I could default on the loan.

Effects of stress on the body

Are your aches and illnesses the result of stressing about money? According the American Institute of Stress, (http://www.stress.org/topic-effects.htm) there are at least 50 signs and symptoms that can be traced to stress. Back aches, frequent headaches, dizziness, light headedness, constipation, nausea, heartburn, insomnia, and difficulty concentrating are just a few of them. Chances are you’re experiencing some sort of pain right now as a response to the stress you are feeling about your financial situation.

Stress suppresses your immune system, making you susceptible to viruses in the environment, including the H1N1 virus. But no one seems to think of this when they’re sick. Instead, people get emergency loans to pay for doctor visits and prescription drugs, which just creates more stress about money.

Chill out!

Remember that saying from the 1980s? It was a way to tell someone to calm down and relax. Regardless of your financial situation, worrying about it will only make you sick. You may be facing some serious difficulties, such as a home foreclosure or continual phone calls from debt collectors.  But is worrying about it worth destroying your health? The best way to chill out is to come up with a concrete plan of action.  What can you do go get the extra cash you need to pay your debts and get your finances under control?

The bottom line

Whatever your financial situation, if you are not healthy, how are you ever going to rise above the hardships that are causing you stress? If you must take out an emergency loan to pay some debts or put food on the table, so be it. But stop stressing out over the lack of money, as your health is the last thing you want to lose.

Actions speak louder than words

Now that my backache is gone and I’ve spoken my mind, I’m going to practice what I preach by coming to a decision right now about that house.  If I decide to buy it, I’m going to make a concrete plan of action about how to meet all my financial obligations, and then I’m going to stick with it.

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