When you owe more in debt than you can afford to pay, it’s stressful. You probably want to satisfy your creditors, but there’s just not enough money to make all of your payments and still make ends meet. If you are the primary breadwinner in your household, you may feel the weight of daily creditors’ calls and collection letters. But, that financial stress can also negatively impact your marriage, your family – even your health.

Financial Stress and Relationships

It’s no secret that debt is a stressor for marriages and committed relationships. A study by Experian revealed that 59 percent of divorced survey respondents reported that their finances played a role in ending their marriages. Even for couples whose relationships are able to weather the financial storm, outstanding debt balances can lead to daily arguments and resentment. In another survey by SunTrust Bank, 35 percent of couples experiencing stress in their relationships said money was the primary cause of their troubles.

Impact of Family Debt on Children and Teens

If you think your debt isn’t impacting your children, think again. Young kids and teens can be incredibly perceptive and will pick up on your stress. Too much debt can also mean a lifestyle change that can be stressful for children. Whether that means there’s not enough money for allowances, family vacations, or eating out, it’s a source of stress for kids. Young children may be more emotional or act out in negative ways. Teens may engage in risky behavior or encounter problems at school.

Financial Stress Can Affect Your Health

Financial troubles can do more than simply cause relationship and family stress; they can make you physically ill. You may find yourself overeating (or undereating), unable to sleep, or fighting upset stomachs or headaches regularly. Panic attacks, feelings of anxiety, depression, and grief are also common in people who are fighting too much debt. Some people turn to cigarettes, alcohol, or drugs as a way of dealing with financial stress, which can all come with their own health implications.