Family, emotional impact stress

Job productivity suffers because of the impact poor personal financial behaviors have on family fife (Garman, Leech, and Grable, 1996). For example, poor personal financial decisions may lead to loss of transportation, loss of the ability to obtain credit and adequate housing, arguments with relatives, emotional stress, spouse/child abuse, and divorce. These decisions manifest in dysfunctional work behaviors such as absenteeism, tardiness, and reduced job productivity. Table 19-1 summarizes the potential costs associated with poor employee financial behaviors. 

Many times, AD is not perceived as a major iUness and is frequently dismissed as a minor skin condition. However, studies have demonstrated considerable financial, emotional, and social impact on families of those with moderate or severe AD. An Australian study reported results of significantly more stress in taking care of a child with moderate or severe AD than that involved with care of a child with insulin-dependent diabetes. Disturbed or lack of sleep has also been reported. In the United States, AD accounts for 4% of emergency department visits. The health systems of all countries are burdened with the economic load of AD s direct and indirect costs of treatment and social morbidity. ... 

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