Feeling stuck in a continuous spiral of debt can feel demoralising and exasperating. While you didn’t mention shame, it sounds like your feelings about yourself are being affected and it is a common consequence of debt. We don’t just feel guilty about the mistakes or the choices we have made but we feel ashamed, as if the debt says something about who we are. It is important to remind yourself that your financial situation does not define you.
Anger, shame, guilt, helplessness are all part of a range of feelings that are common to people feeling trapped in what is called ‘problem debt’, in other words, debt that is difficult or unlikely to be repaid. It has an impact both on our self-worth but also on our mental well-being.
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