I’m drowning in credit card debt and it’s affecting my sleep, my mood, and even my relationships. I feel stuck and guilty every time I look at my bills. How do people cope with this?
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Man, that used to be me—sitting in the dark with unopened bills piling up. I’d wake up with knots in my stomach. What helped was getting brutally honest with myself. I called every creditor, set up payment plans, and used a simple app to track spending. The guilt doesn’t go away overnight, but taking action—even small—gave me back some control. Talking to someone helps too, even just a friend.