NHS suffers enormous cost of accidental falls

Issues can easily overwhelm us, just like credit card debt or other stresses.

07:45 17 June 2013

Safety is a concern for everyone, whether it is traveling via aircraft, driving a car, or even preventing simple things such as trips and slips. NICE has said that the NHS needs to pay more attention to safety and reduce the number of trips and falls that happen.

 

One side of safety that we may not consider is the cost that comes with the after effects. In the same way that trying to deal with these types of issues can be overwhelming, credit card debt can also have similar effects.

Significant stress over our finances can lower the effectiveness of our immune systems, perhaps creating more bills. Here are a few ways to deal with credit card debt so you will not need to stress as much. 

• Consider your spending habits—frequently we go about our daily tasks without much change. If you happen to be an impulsive shopper, you can easily rack up credit card debt if you do not change a few things about the way you shop. Try freezing credit cards in a block of ice so you will not be able to get at it before your head clears. 

 

• Stopping to think—if your budget is already tight, and it usually is if you are using a credit card, think about whether or not you truly need something. Set a timeframe for yourself and wait for a while before you make the decision. Giving yourself a couple days to consider implications can help you think straight. 

 

• Consolidation—if you have an available balance with a better interest rate than another credit card, use the available balance to try and pay off your higher-interest credit card. You will also be simultaneously reducing monthly expenses. 

 

• Make larger payments—if you send in more than the minimum due on your credit card, you will be able to pay the bill off faster.

 

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