October 8, 2019

How Debt Affects Workflow and Productivity

If you’ve ever been run down, sick or burnt out while maintaining work in your 9-5 job, you might know how difficult it is to get through your workload during the day. Taking a day off is sometimes necessary to make sure you can get better quickly to get back to the daily runnings in the office.

When you’re feeling stressed because of a factor external to work, such as a financial concern, taking days off can be tempting. This is especially true if you’re feeling anxious or are showing depressive tendencies.

One sick day results in a loss in productivity of 4.61%. Employees tend to take more than 1 day which could result in a productivity loss of 8-12% per month.


The stress of having financial problems can have a serious impact on your health. This can be seen in physical problems from a rise in blood pressure to a weakened immune system. Prolonged concerns over finances can cause a negative effect over time, which can become difficult to resolve later.

Those who have to face debt might also find it difficult to communicate with their families and loved ones about it. This can cause tension between partners and a feeling of bitterness might result. One way to combat this is to make sure you talk through any concerns and problems you are facing clearly and calmly so that you can look for solutions to resolve the issue.

Find ways to work through debt


For the employee

If you are trying to focus on work and have something else on your mind, then trying to concentrate can seem impossible. This can exaggerate the stress because it compounds the doubts over the debt and the worry of the workload.

The levels of productivity also falter when debt builds up because a person under pressure, whether physical or emotional, produces adrenaline and cortisol. These hormones increase when a person is facing the strain from high amounts of debt and can have a major impact on how well they are able to focus on their work.

For the employer

The loss in productivity when one employee is battling with debt-related stress is less significant than the loss in productivity when multiple employees are under strain. When employees are affected by debt, the impact it has on the company can result in major inefficiency.  The workplace is also impacted by low morale as a result of an overly-stressed taskforce. 


There are several ways of dealing with financial stress. Of course, dealing with the number one concern is the ideal way to maintain a financially healthy lifestyle.


Work out to work things out. Getting your blood pumping and your muscles engaged is a key way to combat stress and clear your mind.

Talk about it

Seeking professional help is invaluable in dealing with prolonged stress and could also help you find out why debt might have become a problem in your life. Talking about what’s worrying you, even with your partner, family, and friends can make a significant difference in how you are able to think about and handle your situation.

Look for debt consolidation

Looking for professional help with your debt and asset portfolio can be the key to a stress-free mind. Tackle the problem head-on with professionals who know the best way to work through financial problems. This can also look different to each individual depending on the situation. If you are struggling to get on top of your bills, you might benefit from personal financial rescue or loan consolidation.

Get a free callback from Debtline