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The Link Between Debt and Menopause/Perimenopause: What You Need to Know

The Link Between Debt and Menopause/Perimenopause: What You Need to Know


For many women, menopause and perimenopause can be challenging times. Not only are they dealing with physical changes, but they may also be experiencing financial stress due to debt. While the relationship between debt and menopause/perimenopause is not yet fully understood, research has identified some potential links.

According to a 2019 survey by the Canadian Menopause Society, many women experience financial difficulties during perimenopause and menopause. These difficulties can be due to a variety of factors, including job loss, reduced income, and increased healthcare costs. The survey found that 35% of women in perimenopause and 27% of women in menopause reported having financial difficulties.

Financial difficulties can also lead to debt. According to a 2020 study by the Financial Consumer Agency of Canada, women are more likely to carry debt than men, and this is especially true for women in their 50s and 60s. This can be due to a variety of factors, including lower incomes, higher healthcare costs, and the need to support family members.

The Impact of Debt on Menopause

First, debt can contribute to stress. Financial stress has been linked to a variety of physical and mental health problems, including high blood pressure, depression, and anxiety. During menopause and perimenopause, women may already be experiencing stress due to physical symptoms, so financial stress can add to the burden.

Second, debt can impact sleep. According to a 2020 study by the National Sleep Foundation, financial stress was a top contributor to poor sleep quality. During menopause and perimenopause, many women already experience sleep disturbances due to hormonal changes, so financial stress and debt can exacerbate the problem.

Third, debt can impact quality of life. Women in menopause and perimenopause are already dealing with a lot of changes, and financial stress and debt can add to the burden. Debt can impact women’s ability to take care of their health, enjoy hobbies and interests, and maintain relationships.

What You Can Do

Create a budget: Creating a budget can help women get a better understanding of their income and expenses. This can help identify areas where they can cut back and save money.

Seek financial advice: Women can seek out financial advice from a financial advisor or counselor. These professionals can help women create a plan for managing debt and improving their financial situation.

Consider debt relief options: Women may also consider debt relief options, such as a debt management program or debt consolidation loan. These options can help women pay off their debt and improve their credit score.

Prioritize self-care: Women in menopause/perimenopause should prioritize self-care activities that can help reduce stress and improve sleep quality. This can include exercise, meditation, and spending time with loved ones.


Debt and financial stress can be significant challenges for women in menopause/perimenopause. By understanding the links between debt and menopause/perimenopause, women can take steps to manage their debt and improve their overall well-being. Seeking out financial advice and support, creating a budget, and prioritizing self-care can all be helpful strategies.

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