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Debt causes extreme stress and sleepless nights for South Africans

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N5
2 Min Read
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By Everson Luhanga

  • About 32% of working South Africans face severe financial pressure, leading to bad health and tension at home each day.
  • The South African Depression and Anxiety Group says money worries are a top reason people call its helplines every day.

Across South Africa, workers are falling behind on bills. People are juggling loan payments and trying to stretch salaries that no longer cover basic needs.

This financial pressure is showing up in people’s health and daily lives. About 32% of working South Africans are facing high to extreme financial stress.

The South African Depression and Anxiety Group says money worries are a top reason people call its helplines.

Many callers report sleepless nights, constant anxiety and tension at home. Some struggle to focus at work. Others feel overwhelmed by daily duties.

Sebastien Alexanderson, head of National Debt Advisors, said the problem often stays hidden because people feel ashamed.

“Many South Africans are suffering in silence,” he said.

He said people speak openly about stress and burnout, but they do not always connect these feelings to financial pressure.

Alexanderson said debt affects more than bank accounts. It changes how people think, feel and function.

People under heavy debt often feel distracted and exhausted. This can lead to poor performance at work and more financial trouble.

Alexanderson said many wait too long to ask for help because they fear being judged.

“That silence can prove devastating,” he said.

He warned that delaying help makes both the financial and emotional situation worse.

“Debt shame keeps people trapped,” he said. “The longer people wait, the worse the situation becomes.”

He said speaking up and getting help early can ease pressure. This helps people regain control of their lives.

For many households, debt is no longer just a money issue. It shapes how families sleep, work and survive each day.

Pictured above: Debt. 

Image source: Pexels