Debt and mental health

Free resources to get the help you need

Money worries and poor mental health are often linked. If you’re struggling to cope, you’re not alone; around half of our clients have told us they have depression, stress, anxiety, or they’re living with another mental health condition.

It can be difficult to open up and admit you need help, but that’s how you can take the first step to get back on track.

We’re here to help you, with free and confidential advice. And we work with specialist organisations who are experts in dealing with the challenges of daily life.

Our aim is to help as many of you as possible to take lasting action on your debt and the stress it can bring. You can do this, and we’ll be with you every step of the way.

If you’re unable or uncomfortable with talking to someone, you can get help with your money worries online, without having to pick up the phone. Use our online debt advice tool now.

Sarah's debts affected her mental health

Find out more about Sarah. Read Sarah's story

Getting support from your creditors

Have you heard of the debt and mental health evidence form (DMHEF)?

This is a form that can help your creditors to understand any mental health issues you may be experiencing.

It may mean they’re more considerate of your personal circumstances when contacting you about your debts.

Use our DMHEF guide

7 days, 7 ways

Our easy-to-use email programme that helps you take control of your finances, step by step.

Each day for a week, we will send you practical advice that will help you figure out what you owe, which payments are priorities, and help you put together a long-term action plan.

Sign up to 7 Days, 7 Ways

Six-step debt stress guide

We’ve put together a guide covering how to:

Spot the signs of debt stress
Talk to someone you trust
Get in touch with us for debt advice
Let your creditors know you need support
Take the first steps
Talk to others who know what you’re going through

Take the six-steps now

Talking about debt helped Jamie find a way out

"I hid it from my friends because I didn't want to be judged. I didn't want to seem like that person who didn't know how to handle money. My anxiety levels were through the roof. I was worried that I was going to lose everything."

Hear Jamie's story

More clients' stories

Ready to take the first step in dealing with your money worries?

It takes courage to deal with your debt and money worries. When you're ready, take two minutes to answer a few simple questions, so we can understand the best way to help you.

Get help now

Every Mind Matters: Your mind plan - free NHS-approved online tool

Answer five quick questions to get your free plan with tips to help you deal with stress and anxiety, improve your sleep, boost your mood and feel more in control.

Get your mind plan

Mindfulness: Stress test - free tool from the Mental Health Foundation

Find out if stress is having a negative impact on your life and how you can improve your wellbeing. On the website, you can also learn about ‘mindfulness’, a simple method that may help you manage stressful everyday situations and stay mentally healthy.

Take the stress test

Tips for everyday living - guides from Mind Charity

Living with a mental health problem can often have an impact on day to day life, making things that others might not think about a bit more difficult. Mind have put together a wide range of guides covering managing money, food and your mood, loneliness and more.

Mind’s tips for everyday living

How to talk about debt, stress and anxiety

Working with Mental Health UK we've created a selection of guides to help you open up if you or a loved one is suffering from money worries or debt stress.

MoneySavingExpert.com also have a free report on mental health and debt that's available to download from their website.