5 Things That Debts & Pests Have In Common

debt-and-pests-have-in-common

For most of us there are a number of things in our lives which we wish weren’t there; whether it is the in-laws, the long commute to work or noisy neighbors, in most cases there isn’t much you can do about these annoying problems in your life.

The nuisances in your life which you do have control of can often seem just as difficult, and sometimes impossible to deal with, but once you recognize that the issue is one you can change, the avenues of solutions open up. Seemingly insurmountable and consuming issues can be things like debts in your financial life, or insects and pests at home. Both are annoying, have the potential to control your life, and neither are easy to get rid of but that doesn’t mean becoming debt free, or pest free is impossible.

Instead, once you realize that there is a solution you can work towards find the people and the tools needed to eradicate the problem once and for all. To help you see the ways which your debts can be managed, look at the similarities between the problem of pests and debts, and the similarities in their solutions.

They Won’t Go Away If You Ignore Them

When you look at your situation and realize you have a pest problem, it can seem daunting to fix it. However, burying your head in the sand and ignoring the situation won’t make it go away – the bugs won’t just decide to move on and destroy someone else’s house or garden by themselves, they will need some convincing.

Similarly, your credit cards and personal loans won’t just start paying themselves off if you leave them alone. You need to look closely at your situation and take positive steps towards paying off your debts because no one else will take responsibility for your debts for you.

You Need Professional Help To Get Rid Of Them

While there are some types of pests which you can get rid of on your own, for the serious infestations, you need to call in the help of a professional exterminator. Recruiting the help of a professional to get rid of your pest problem means it is done quickly and properly, using the right equipment, the right sprays and the best techniques to ensure the job is done properly, with minimal impact on you and your family.

When you need to clear your debts, you often can’t clear substantial debts on your own by just making the minimum payments. Instead, you need to call in the help of a debt consolidation loan for example, which will combine all of your debts into one loan, with one repayment each month, a lower interest rate and a set term so you can see an end point.

You can also bring in the help of a balance transfer to get rid of credit card debt, which will pay off your existing high interest credit cards, with one low or zero interest card. You will need to make sure that you pay off your transferred balance before the end of the balance transfer term, or you can find the infestation returning in the form of a high revert rate.

For the more serious cases where the debts have burrowed right into your life and are too big to just pay off, you may need to bring in the help of a debt agreement. A professional debt agreement negotiator will contact your creditors and make agreements on your behalf based on what you can afford to repay, while the remainder of the debt is written off.

They Put Your Home, Health & Lifestyle At Risk

When you have a pest problem they can be eating away at your home, making your family sick, or stopping you from having friends and family at your place because of the damage or the unsightliness of your pest problem. When you are in debt, you can suffer the same effects on your home, your health and your lifestyle.

For example, if the debt which is consuming you is that you are behind on your mortgage, you risk losing your home, and a secure place for your family to live. You may have even used your home as security against other personal loans, and if you default on a secured loan, the lender is allowed to take possession of the security to cover their costs.

When you are in debt, the money worries can consume your thoughts and stress not only affects you mentally, but can also cause you to gain weight, lose sleep and lead to more serious problems such as high blood pressure. Therefore, for your health, you need to take control of your debts. Plus, when you are in debt, your lifestyle can be affected in a number of ways, for example, you don’t have enough money to make it to social engagements with your friends or participate in family gift giving. The stress can also lead you to depression and a desire to stay at home and avoid other people, isolating you from the world, but leaving you alone with your problems.

When debts, and pests, burrow so deeply into your life that they affect your home, your health and your lifestyle, some people still may not recognize that debts or pests are the cause. For example, if you notice decaying timber around your home you may not realize that pests are at the root of the problem, and you actually have a bigger issue that just a few timbers which need replacing.

Similarly when you are in debt and you are still ignoring the issue, you may see that you’ve gained weight, you’re not sleeping or you see your friends less, but until you get to the debts which is the root of these other problems, you won’t be able to solve any of them.

Debts And Pests Are Not Easy To Get Rid Of

Once you find that you have a pest problem, you need to be very thorough in removing it, to make sure you put a stop to any further damage, and make sure the problem doesn’t reoccur. Plus, once you have had to deal with pests, you will want to do everything you can to avoid going through that situation again, and that vigilance takes an ongoing effort.

The same solution should be applied to getting rid of debts, because there is no quick and simple solution, the road to being debt free will be one you have to work hard to travel. Not only will paying off your debts be hard work, it will also take constant vigilance to ensure you don’t slip back into debt forming habits in the future.

Debts And Pets Are A Part Of Life

As much as you can protect yourself and your home from pest infestations, pests are a part of life and it can often be inevitable that you will have to deal with some form of pest at some point. The solution is to be prepared, acknowledge you have a problem, seek the right solution, and stay on top of the situation.

It is also so easy to get into debt that when you already have more than one credit card, a personal loan on your car and a mortgage with rising interest rates so for many people dealing with debt can be an inevitable part of life. To protect yourself from debt ruling your life, you need to know how to manage your finances and learn to deal with the issue quickly, so that it doesn’t become all consuming.

About The Author

Edwin is a marketer, social media influencer and head writer here at Save The Bills. He manages a large network of high quality finance blogs and social media accounts. You can connect with him via email here.


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