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Top 3 ways paying down (and off eventually) your credit card debt can reduce stress| National Pay Down Credit Cards Day

Top 3 ways paying down (and off eventually) your credit card debt can reduce stress| National Pay Down Credit Cards Day

Hey my beautiful queens! I hope that you are all faithfully and dutifully keeping up with your journeys in life, and that things are manifesting in your best interests. In honor of National Pay Down Credit Card Debt day, I thought I would would check in on how our financial goals are turning out this year. We talked about budgeting in a previous post, and how important it was, and now the next part of the equation is paying down our debt. In my other post where I talked about how your financial situation affects your life, I talked about how debt can cause extra stress in your life. This extra stress can cause you to be thrown off your other journeys as well, whether it’s binge eating while your trying to get healthy, or worrying too much when you are supposed to be meditating. So today I’m bringing you 3 different ways that paying down debt can help you relieve some stress.

Anxiety relief

While anxiety is a medical condition and there is a lot more to it than just stress, many of us throw the term around and I’m somewhat doing that here. When you are worried about bad things happening to the point of mental breakdown and panic attacks, that causes your body so much stress. And while there are so many things to worry about these days, a big one for many of us is money problems. When you pay down (and eventually off) your credit cards, you open back up that safety net, so that if something happens you have something to fall back on. Having that safety net can ease some of those monetary worries because you know if something happens you are prepared to handle it.

More money for self care

I know this seems contradictory, but after a while of paying down your credit card debt it should eventually be gone. Once that debt is gone, you can use the money for those minimum payments you are no longer making, to do things for yourself like get a massage, or get your nails done. You can even treat yourself to a little retail therapy (so long as you don’t go back into credit card debt). Whatever those little things were that you had to skip before to pay back Capital One, you can now enjoy and destress.

No longer needing multiple jobs

If you have a small amount of debt then this may not apply so much to you, however there are some of us out there with so much debt that we had to take on a second job to afford it. High balance credit cards, personal, and student loans can all add up to a staggering amount of payments each month. If you’re pulling doubles just to stay a float a debt issue could be a large part of the reason why. Sticking It out for a little bit longer to get these things paid off, could give you the ability to go down to one job and wouldn’t that feel great? My mom worked 3 for many years, and so now she feels like her one full time job is a breeze (although I’m still struggling with the idea of a 40-hour work week, but that’s for another post)

So those are my takes on the top 3 ways that paying down (and eventually off) debt can help reduce your stress. Financial Know how is becoming more and more normal in our community but we still have a lot of work to do! What are some of the ways you’re taking control and paying off your debts? I’d love to know down below!

And as always, Live your best life sis!



Nikki Brame
Health and Wellness Contributor

Nikki is a natural hair blogger and youtuber , also known by the handle @ChicNaturlNikki, has been in the game over five years now. She loves journies to find her best self and has enjoyed sharing her these journeys and practices with you along the way.

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