The Effect of Debt Management Strategies on Mental Health and Self-Care among Young Professionals in the EU

Alexander Vernelle Simonia (2025) The Effect of Debt Management Strategies on Mental Health and Self-Care among Young Professionals in the EU. Pénzügyi és Számviteli Kar.

	PDF thesis 2..pdf Hozzáférés joga: Csak nyilvántartásba vett egyetemi IP címekről nyitható meg Download (1MB)
	PDF thesis-summary_2025.pdf Hozzáférés joga: Csak nyilvántartásba vett egyetemi IP címekről nyitható meg Download (158kB)
	PDF thesis review_2025may_Alexander Vernelle Simonia.pdf Hozzáférés joga: Bizalmas dokumentum (bírálat) Download (94kB)
	PDF Thesis_Review 2025.pdf Hozzáférés joga: Bizalmas dokumentum (bírálat) Download (132kB)

Absztrakt (kivonat)

This research explores what debt really does to people, beyond just the numbers on paper. For many young adults in the European Union, especially those trying to finish their studies or settle into their careers, financial pressure is part of everyday life. But what I kept noticing is that debt doesn’t just sit in your bank account it creeps into your habits, your energy, even how you think. It affects how people eat, sleep, talk to others, and think about themselves. It’s not always visible from the outside, but it changes the way people carry themselves through life.To get a clearer picture, I used a mix of both surveys and a small focus group. The survey gave me broader data 20 people responded but the focus group, made up of 10 participants, really brought out the emotional side of the issue. People weren’t just ticking boxes. They were telling stories. Some said they were too stressed to sleep or cook, while others talked about avoiding their mail out of fear of another bill. And these weren’t just extreme cases this was the emotional weight that many young professionals seemed to be carrying around every day.What also stood out was how people tried to cope in different situations. Some mentioned simple things like putting together a budget or finally talking to a friend about how bad things had gotten. These weren’t big or dramatic changes, but they helped. Even small steps seemed to offer a bit of relief something to hold onto when everything felt too much. That sense of taking action, even if it didn’t fix the problem, made people feel like they weren’t totally drowning. And in times of constant stress, that matters more than we usually admit.As I went through the focus group stories especially those from participants in Hungary it became clear that people weren’t just tired of being in debt; they were tired of what it was doing to them. Some had given up on looking after themselves, not because they didn’t care, but because they were mentally drained. Cooking, getting decent sleep, or even staying in touch with friends became harder. It wasn’t laziness. It was burnout, and it showed up again and again in their responses.Looking at what other EU countries are doing helped put things in perspective. Sweden, for example, offers free financial counseling through government services. Germany teaches money management early in schools, and the Netherlands has a platform called Geldfit that connects people to personalized help. These systems are not perfect, but they show what’s possible when support is built into the system. If more countries took these approach and shaped them to fit their citizens needs, it could really change how young people experience debt.A reocurring element was debt isn’t just about money. It’s about how people feel, how they cope, and whether they feel like anyone understands what they’re going through. You can’t solve that by handing someone a budget sheet. They need someone to talk to, tools that make sense in their real life, and a bit of space to breathe. If we’re serious about helping young adults manage financial pressure, we have to treat it as a human issue not just an economic one.

Intézmény

Budapesti Gazdasági Egyetem

Kar

Pénzügyi és Számviteli Kar

Tanszék

Pénzügy Tanszék

Tudományterület/tudományág

NEM RÉSZLETEZETT

Szak

Pénzügy és Számvitel

Mű típusa:	diplomadolgozat (NEM RÉSZLETEZETT)
Kulcsszavak:	accounting, business planning, financial planning, money, online education
SWORD Depositor:	User Archive
Felhasználói azonosító szám (ID):	User Archive
Rekord készítés dátuma:	2025. Szep. 23. 13:02
Utolsó módosítás:	2025. Szep. 23. 13:02

Actions (login required)

Tétel nézet