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Living with debt is like carrying an invisible weight all day. Through Sophie’s story, you can see how financial anxiety seeps into your day-to-day routine, weakens your relationships and erodes your mental health. Fortunately, there are solutions.
Debt is much more than a financial issue. It affects every facet of your life and impacts your loved ones.
Call us as soon as you spot the first signs of debt!
Thirty-eight-year-old Sophie is separated and a mother of two young children. She has accumulated debt. From morning to night, she feels overwhelmed by stress and fatigue. Below is what a typical day looks like when financial anxiety shapes her daily life.
Sophie is awake before her alarm goes off. Her heart is beating fast. She’s already thinking about the credit card bill that she can’t pay in full. After a night of restless sleep, she feels weighed down and lacking energy to start her day.
Once in the office, Sophie tries to concentrate, but payment reminders pop up on her phone. Her hands are clammy and her thoughts are muddled. She smiles at her colleagues, but a feeling of constant worry is lurking behind this mask. As her debts have piled up, her performance has suffered. Over time, shame and the fear of being judged have led Sophie to isolate herself.
Sophie is reluctant to join her colleagues for lunch. She doesn’t want to spend money, but also doesn’t want to feel excluded. In the end, she sits alone in her corner and wolfs down a meal that she brought from home. Guilt and hardship leave a bitter taste in her mouth.
An alert appears on Sophie’s phone. She didn’t make the minimum payment on her credit card. She feels overwhelmed. Her finances appear to be out of control and she’s afraid that the situation could get worse.
Sophie’s mind races on the bus journey home. Should she buy groceries or pay her electricity bill this week? Her debt impacts every facet of her daily life and she can never truly catch her breath.
By the time Sophie gets home, she’s running on empty. She looks over her budget and tries to plan her week, but the burden of debt crushes her motivation. She no longer has hobbies, she rarely goes out and her relationships are suffering.
Sophie would like to be present and relaxed with her children, but stress has made her irritable. Debt has created an emotional distance between Sophie and her loved ones and affected her family life. She considered talking to her children about her difficult financial position, but she doesn’t know how to do this without worrying them.
That evening, Sophie reaches her breaking point. She feels hopeless, but musters the courage to share her worries with her best friend. She feels relieved and her friend doesn’t judge her. She listens and reminds Sophie that she’ll always be there to support her. Sophie decides to make an appointment with a Financial Recovery Advisor to get help. In a matter of seconds, she finds a time slot on the Raymond Chabot website that suits her. She can choose either a videoconference, phone or in-person consultation. She opts for a phone meeting. Simply taking this first step reduces her anxiety. Furthermore, the first consultation is free and confidential.
Sophie’s thoughts still race at night, but she focuses on the fact that there’s a solution. Knowing that she’s no longer alone and a plan is being formulated gave her renewed hope. She’s still anxious, but she can breathe a little easier.
Sophie picks up the phone to talk to a Raymond Chabot advisor. The voice on the other end of the line is calm and kind. The advisor listens carefully to Sophie, asks a few questions and presents the various options for easing her debt. Together, they determine which process is best suited to Sophie’s reality. For the first time in a long time, Sophie feels reassured. She knows that an expert will be by her side until her financial issues are resolved.
In a nutshell, debt leads to constant financial anxiety that damages your mental health, wellbeing and family unit. However, there are solutions. Just like Sophie, you can break the isolation, seek support and enjoy a more peaceful life.
If you find yourself in this situation, don’t wait until your stress becomes unmanageable. Contact one of our advisors. They can help you find a solution that’s tailored to your reality. And if someone you know is in a similar situation, ask them to call us. The first consultation is free.
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