Are Financial Worries Keeping You Up at Night?

If you’re like the millions of Americans who have trouble falling asleep at night, there’s probably something on your mind that is preventing you from having a restful night. Since insomnia can really start to cause some problems with your overall physical and mental health, it’s best to try to get to the bottom of your worries, if they are the main culprit for your restlessness. Many people worry excessively about the state of their financial affairs due to the serious effect money (or a lack thereof) has on everyday life.

Money problems can also be a huge source of tension among married couples, causing stressful arguments that leave spouses going to bed frustrated and laying awake instead of sleeping. Cumulatively, a lack of sleep will eventually cloud your judgement, and you may end up making financial choices that are not wise in order to give yourself a temporary band-aid. If you are feeling the effects of financial stressors in your life, act now before you’re two months behind on sleep and on the verge of divorce.

Do you have an overwhelming amount of credit card debt that you have accumulated during financial duress? Turning to a credit card to make purchases during times of unemployment or underemployment is something that many people do. At the time, it may seem like your only financial option and the only way to put food on the table for your family. After several months of swiping that credit card through store after store, though, your minimum payment may be more than you can handle. This is when your spending has officially caught up with you and may be threatening to overwhelm you.

If you’re up to your eyeballs in credit card payments, then in all probability you are having trouble affording all of your monthly bills as well. Is your rent or mortgage in arrears? Are you in danger of having one or more of your utilities turned off? How close are you to losing your home to foreclosure?  These are all thoughts that are probably swirling through your mind as you try to fall asleep at night. Without further knowledge or help, it may very well seem to you that there is nowhere left to turn and that all is hopeless.

The good news is that there actually are solutions to your seemingly insurmountable financial woes.  While there is no magic bullet that can make all of your debt disappear instantly, working with an attorney who specializes in credit repair is a very good idea. He or she will be able to set you on a course toward financial freedom.  Be prepared that the journey will not be short or necessarily easy, but with dedication and by working closely with your attorney, your credit score can once again begin to rise.

Say goodbye to those sleepless nights as you take charge of your money problems instead of vice versa. Go to bed in peace knowing that you are moving in the right direction and that you have a plan for your financial future.

*Photo provided by Schmirn

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8 Responses to Are Financial Worries Keeping You Up at Night?

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