Do you have money sitting in the bank or stuffed in a mattress for that “rainy day”? Well, if you’re in debt, it’s raining! If you have a debt that’s in collection, credit card debt or high balances that need to be paid down, go ahead and use the money now to get out of this mess. Unless you are earning huge interest on it, you are better off to pay some of these bad debt and make them go away.

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You may be afraid to dip into that “emergency” fund, but it may only be paying 2% or some low interest rate. Your credit card debt is costing you way more than that. You may not have a savings account to dip into but it is still critical for you to pay off these bad debt items. If so, borrow it! Borrow money from friends and family to pay down your bad debt. What goes on between family and friends is private and wont show up on your credit report. Most people you know would charge you a lower interest rate than a bank, or if you are really lucky, no interest at all.

1. Embrace the adventure.
Looking at a career change as an opportunity for an adventure instead of a defeat or a failure is a crucial first step.

2. Identify your passions.
That could be just about anything, from cooking to computers. It should be something you are familiar with, but if not, allow yourself time to learn about it. Find someone who is doing what you want to do and ask for their insight about what it takes to be successful.

3. Allow yourself a transition period.


Don’t expect it to happen overnight. In the case of a layoff, you may need to take another job while you’re identifying your new direction. That transition could be three months, or more or less, depending on the situation, but expect it to include some pain, confusion or frustration.

4. Don’t overanalyze.
Avoid the urge to go over your plan again and again.

5. Take action.
Go to a class to learn about the field that you are interested in. Volunteer for an organization that fits with your passion. Everybody wants to figure everything out to the “nth” degree, but taking one step will lead you to the next step.

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The stress from deepening debt is becoming a major pain in the neck — and the back and the head and the stomach — for millions of Americans.

Take Edward Driscoll, 38, of Braintree, Mass. He blames debt — $10,000 worth — for contributing to his ulcers and his wife Kimberly‘s panic attacks. “Just worrying, worrying, worrying, you know, where the next payment of this is going to come from,” he says.

That finding is supported by medical research that has linked chronic stress to a wide range of ailments.

Among the people reporting high debt stress in the new poll:

· 44 percent had migraines or other headaches, compared with 15 percent.

· 23 percent had severe depression, compared with 4 percent.

· More than half, 51 percent, had muscle tension, including pain in the lower back. That compared with 31 percent of those with low levels of debt stress.

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But medical research suggests that most of the symptoms reported in this poll are indeed typical of chronic stress. The body reacts with a “fight-or-flight” response, releasing adrenaline and the stress hormone cortisol. That helps you react fast in an emergency, but if the body stays in this high gear too long, those chemicals can wreak physical havoc in numerous systems — everything from a rise in blood pressure and heart rate to problems with memory, mood, digestion, even the immune system.

And no, stress doesn‘t cause stomach ulcers — most are caused by bacteria — but stress can worsen the pain.

Regardless of the health implications, Americans are taking on more debt as tough economic times — slowing economic activity, job losses, soaring energy and food prices, slumping home values and record home foreclosures — strain many people‘s budgets.

Revolving consumer debt, almost all from credit cards, now totals $957 billion, compared with $800 billion in 2004, according to the Federal Reserve.

Average car loans are up, too, to $27,397, from $24,888 four years ago. Home mortgages total $10.5 trillion, compared with $7.8 trillion in 2004.

No wonder people are feeling stressed. So, why do they let debt spiral out of control?

A significant life crisis like a major health problem or the loss of a job drives many people into debt. Others build up bills “trying to keep up with the Joneses” — according to Patricia Drentea, associate professor of sociology at the University of Alabama at Birmingham, who studies debt and stress.

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For the middle class and beyond, it could be a push for a bigger house, an SUV, high-tech TVs, computers and other electronic gadgets, gym memberships, nicer clothes and restaurants. The list goes on and on.

Indeed, the survey found that upwardly mobile, middle-class families were among those who had the most debt stress. Others were women, couples with small children, low-income working families, Democrats and those who graduated high school but haven‘t taken college courses. Those least likely to be stressed from debt include men, retirees, empty nesters, college graduates and Republicans.