When debt becomes overwhelming, it can create horrible effects on emotional well-being. Broken marriages, depression and even suicide are the effects of the debt that gets out of hand.
In these cases fighting with your partner is the last thing that you want to do. You went in as a team. And you should overcome the situation with debts as a team. It will certainly make your marriage stronger.
When a person faces an overwhelming debt, depression comes into his/her life. Depression is a state of hopelessness that things cannot be rectified. Remember that depression is an emotion that is real. If you think you or someone you know are overwhelmed by bills and are showing signs of depression call the doctor and get help. It won't probably change your money situation. However, with the right treatment you'll be able to manage your bills sensibly and more rationally.
In addition, debt can have such effects on your emotional health as restlessness, fear and anger. As your debts slowly become overwhelming, one of the first affects is your sleeping habits. You will be unable to fall asleep because you are thinking about the debt. Not being able to sleep keeps you from getting enough rest to function properly. As the result the brain does not work as quickly or with accuracy when it has not gotten the rest it needs.
Too much debt can cause another effect - anger. The anger can become as unmanageable as the debt itself. It spills over into your personal life.
No doubt that debt has a tremendous hold on us. Although every situation is unique, the point of desperation is the same. People tend to do things out of character in order to repair the debt problems they may be having. When you feel that you have had more than you can take, don't take any desperate measures to get rid of it. Try to find help. Remember that the best plan of action is prevention.