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Dealing With
Debt, Financial Stress
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When people are dealing with mountains of
debt, they're much more likely to report health problems. Just worrying,
worrying, worrying, about where the next payment of this is going to
come from, can cause stress and make you sick. People who reported high
stress also were much more likely to have trouble concentrating and
sleeping and were more prone to getting upset for no good reason
Debt can be bad for your health. Financial stress is common if you are
forced into frugality because of a lost job, divorce, death in the
family, or being over your head in debt, etc. This can lead to feelings
of insecurity, fear, anxiety, anger, and, of course, depression.
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Management Teen Stress
When we talk about stress, most people think about how we react to
problems that are hard to deal with. Sometimes these problems are
major events that are sudden or unexpected, such as going through a
divorce. Other problems are more common, day-to-day difficulties or
strains. Studies with adolescents have found that
A pileup of many life events over a short time is harder for teens
than coping with just one event.
Ongoing, day-to-day stresses and strains have a bigger impact on
teens than major life events. If a major event (such as divorce) affects
teens, it is often because it changes day-to-day aspects of their lives.
What are the most common problems
for early adolescents?
• Problems with peers, including romances
• Family issues or problems relating to parents
• School-related problems or issues
• Dealing with their own feelings, thoughts, and behaviors
How do teens cope with stress?
Teens react to difficulties much as adults do. Some common emotional
reactions include excitement, fear, worry, anxiety, sadness, and anger.
Compared to younger children, teens use more sophisticated coping
strategies. As teens get older, they turn more to peers and have greater
access to other adults in the community for support. They also have
greater access to drugs and alcohol—which are often used by adults to
cope with stress. Each teen tries to cope with stress in his or her own
way, but there are some general coping patterns.
Problem solving. One way to deal with stress is trying to deal with
the problem directly, by getting rid of it or changing the situation.
Acting to solve problems often requires planning and, sometimes,
learning new skills. For instance, coping with doing poorly in school
might require learning study skills and planning how much time to
spend on homework. Coping with feeling left out might require learning
social skills.
Managing emotions. Managing emotions can be very helpful when
dealing with an uncontrollable problem or in the early stages of coping.
For instance, blowing off steam, avoidance, and distraction can be
important ways of getting ready to cope more directly with difficulties.
The most common way young teens cope with stress is by listening to
music or by watching TV.
What can I do to help my teen cope with stress?
Provide help, encouragement, and support.
Encourage your teen to talk about what he or she is going through.
Listen carefully. Ask questions so you can understand. Don’t jump to the
conclusion that you know what is going on and give advice. Depending
on the situation, your child may not want advice. He or she may just
want to be understood. If you’re not sure that your teen wants your
advice, ask.
· Offer reassurance, encouragement, and support. Be willing to provide
verbal or physical comfort, but don’t be discouraged if your teen
rejects your efforts or is irritable. These are normal reactions to stress.
Be patient. Make it clear that you are there if your child needs you.
· Provide a structured, stable, and predictable home base. Within reason,
the same rules, roles, and routines should be kept in your home.
· Encourage your teen to take part in activities that he or she
normally enjoys.
· Encourage your child to talk with others to get help, advice, or support.
You might suggest other adults whom he or she is close to or
respects.
Help your child develop coping skills.
· Model effective coping. Talk about how you deal with your problems.
Avoid the use of drugs or alcohol to cope with troubles.
· Help your teen learn and practice problem-solving skills. Work with
your teen to figure out problems, and suggest how he or she might cope
with difficulties. Make it clear to your teen that he or she has options.
You can also teach your teen specific skills for solving problems.
· Help your teen learn and practice ways to manage emotions. Teach
that there are safe ways to blow off steam. Provide opportunities for
your teen to become involved in activities that are fun and enjoyable.
Teach your teen how to see the positive side of things.
If you need help, seek it. Helping teens can sometimes be a discouraging
or frustrating task. Be sure to monitor your own levels of stress
and take care of yourself. Be willing to seek support from others. The
school counselor or social worker, a member of the clergy, or your
health-care provider can give information or advice on who might help you.
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Debt can be bad for your health. Financial stress is common if you are forced into frugality because of a lost job, divorce, death in the family, or being over your head in debt, etc. This can lead to feelings of insecurity, fear, anxiety, anger, and, of course, depression.
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