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Addiction and debt problems: How to deal with them

Addictive behaviours can often lead to problem debt. Guilt, shame, and anxiety then make it harder to get help.

Addictions can take many forms, including:

  • Alcohol
  • Drugs
  • Gambling
  • Shopping

All of them cost money. This can cause debts to spiral.

At the same time, the stress of being in debt can make it harder to feel safe or strong enough to combat an addiction.

You can take steps to deal with both issues. Every time you make progress with one, the other will feel a bit easier too.

Help with your debt problems

We can support you to deal with debts.

We help people from all walks of life, and know everyone has their own story and unique circumstances.

We will:

  • Help you put together a realistic budget
  • Make sure everything you need is included
  • Find the best way to get your debts under control

Our expert advisors are confidential, impartial, and never judge.

Help with your addiction

Addiction is complicated. What helps one person may not help another.

Talking to your GP is likely the best starting point. They can advise you on services and support in your area.

You can also contact helplines if you prefer to start anonymously.

  • Frank - National drugs helpline
  • 0300 123 6600
  • Open every day, 24 hours
  • Drinkline -The alcohol helpline
  • 0300 123 1110
  • Weekdays 9am – 8pm
  • Weekends 11am – 4pm
  • Gamcare - National Gambling Helpline
  • 0808 8020 133
  • Open every day, 24 hours

You can find other support resources here.

Help if a family member or friend is dealing with addiction and debt

It can put huge stress on you and your household finances if someone you love is struggling with addiction and debt.

Get specialist advice if you are dealing with someone else’s addiction and debt problems.

This will help you:

  • Be there for your loved one and
  • Look after yourself too

The helplines above can offer addiction advice and support to friends or family.

They may be able to help you find local services for more support.

Use our free and confidential online debt advice tool if you are struggling with your own debts too.