Psychologist explained the reasons for the Russians' credit anxiety

Credit anxiety is associated not only with worries about money, but also with a sense of loss of control, stability, and security. Psychologist Alexandra Grazhdanov told Izvestia about this on April 13, explaining how the debt burden affects a person's thinking, behavior and emotional state.

"Credit anxiety is not just about worrying about money. In fact, it's like a steady state of tension that can be associated with a sense of threat. That is, a person is afraid of failing to meet obligations, losing stability, control," the expert said.

According to the expert, unlike rational financial planning, such anxiety can capture attention and affect daily life. It manifests itself in constant internal tension, obsessive thoughts about debts, scrolling through negative scenarios, as well as in sleep disorders, concentration and bodily discomfort.

The expert noted that this condition can manifest itself in different ways. Some people start avoiding any actions related to money, postponing checking accounts and talking about finances. Others, on the contrary, take impulsive steps, trying to quickly solve the problem through new loans or risky ways of earning money.

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At the same time, the intensity of anxiety does not always depend on the amount of debt. According to the psychologist, personality traits, a tendency to catastrophize, the level of tolerance for uncertainty, as well as past experience are of great importance. If money has been a source of shame and conflict in the family, the debt burden can be perceived as a personal failure.

The expert called tunnel thinking one of the key psychological effects. In this state, a person's attention narrows, and the whole reality begins to be perceived only through the prism of duty. This reduces the ability to notice resources, alternatives, and more sustainable ways to solve a problem.

"A person begins to see only debt, only credit, and ceases to notice other opportunities, resources, and solutions," explained Citizens.

According to her, the way out of this state begins not only with financial decisions, but also with the restoration of psychological stability. To do this, it is important to work with anxious thoughts, check catastrophic scenarios for realism, and regain a sense of control through consistent actions.

Citizens were recommended to make a list of obligations, clarify the conditions for debts, and, if necessary, seek legal or financial advice. At the same time, it is necessary to pay attention to sleep, physical activity, regular nutrition and simple ways of emotional self-regulation.

Psychologist Tatiana Smirnova said on April 7 that satisfaction from other people's failures is associated with mechanisms of social competition and protection of self-esteem. The expert noted that such a reaction is formed as a result of social comparison and the desire to reduce the feeling of threat.

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