Worrying about debts is very stressful and one needs to ensure that they look after their mental health to ensure that debts don't take over.

If you have debts,it can often offer peace of mind to have sufficient life cover in place to clear these debts .

It is certainly worth checking out the cost of cover. Check out www.lifeinsurance.ie for life insurance quotes.

If you are having difficulty meeting debts and credit card bills please

• Tear up your credit card
• Write down a detailed budget of your income and expenditure
• Eliminate unnecessary expenses
• Contact your creditors and tell them what you can afford and pay this to them each month
• Seek help eg Mabs which is a money budgeting service