1. Time and energy constraints: People with more debts may need to spend more time and energy to deal with and pay off debts. They may need to do sideline or part-time jobs in their spare time to increase their income and pay off their debts. This will cause them to be unable to fully devote themselves to full-time work, which will affect the quality and efficiency of their work.
2. Psychological stress and health problems: People with more debts usually bear greater psychological stress. They are worried that debt will bring unnecessary burden to themselves and their families, which may lead to health problems such as anxiety and depression. In this case, going to work may aggravate their stress and anxiety and have a greater negative impact on their physical and mental health.
3. Debt disputes and default risk: If people with a lot of debts do not spare enough time and resources to manage and repay their debts, they may face the risk of default. This may lead to the damage of credit records and even the legal consequences of debt collection. If they put their time and energy into their work, they may not be able to effectively manage and repay their debts, which increases the risk of debt default.
4. Obstacles to career development and promotion: For people with more debts, they may not be able to concentrate on career development and promotion. They may not be able to participate in training, further study or career development opportunities, thus limiting their growth and promotion opportunities at work. In addition, they may not be able to afford the extra expenses required for promotion, such as tuition fees for continuing studies or vocational certification.
In the process of seeking solutions for people with a lot of debts, we should comprehensively consider their specific situation and debt situation. Although part-time jobs can provide additional income and opportunities, if debts cannot be properly managed and repaid, the burden may be further increased. Therefore, people with more debts should give priority to reasonable debt management and repayment plans, find other solutions, such as sideline and part-time jobs, and balance the relationship between work and debt. Only under the premise of ensuring the effective repayment of debts can people with more debts work better, get rid of the debt dilemma step by step and realize their career and financial management goals.