It is no surprise to anyone that many Americans are getting deeper in debt. Credit card balances, loans and mortgage debts have been going up in the recent years. The average household income has actually decreased. Americans are feeling the stress of mounting debts as costs of living rise.

Americans are feeling the stress of increasing debts. Money stress leads to insomnia, depression, anxiety and a number of other health problems. Consumers worry about their dwindling savings accounts and rising costs of gas, food and utilities. Job instability also adds up to the money-related stress.

When money gets tight, consumers may not adjust their lifestyles right away. Soon, they realize that the credit card balances have increased and changes are necessary to make ends meet. Changing things can be very difficult, especially in families when more than one person is involved. Parents want their children to participate in extra-curricular activities that often cost hundreds of dollars. Making decisions to cut expenses may affect relationships among family members and add to the financial stress.

A job loss or a pay cut will demand drastic life changes. An unemployed consumer may consider moving, think about continuing education, switching job industries. This can create uncertainty and anxiety about the future and lead to chronic depression.

Research shows that extended periods of stress disrupt the balance of hormones in the body. Under stress, the body creates high levels of adrenaline and cortisol that can cause heart problems and even death. The hormonal imbalance can cause a number of health issues, including high blood pressure, migraine headaches, depression, ulcers, low immunity, even cancer. For people suffering from heart conditions, financial stress can double the chances of heart attacks.

If you are suffering from any health issues related to stress over your finances, you need to remedy your debt situation. Lowering your debt will decrease the levels of stress you experience and will make you feel better overall. Speak with a credit counselor to take steps at reducing your debt. While it will not happen overnight, taking charge of your money-related problems will help you control the levels of stress in your life.