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The link between debt, stress and mental health

Are you suffering from debt-related stress? How do you feel when you think about your money problems? Concerned? Frustrated? Overwhelmed? It doesn't have to be this way. You can take practical steps to face your debt and stress at the same time.

Debt can leave you feeling a shadow of your former self. You can feel its presence when you see the stack of bills waiting to be dealt with. You can hear it in your voice when you talk to your kids or argue with your partner. Maybe you feel it as knots in your stomach and tension in your head. Perhaps you've lain awake at night, turning thoughts over in your head, unable to sleep properly.

If this sounds like you, then you may be one of thousands of people who suffer with debt-related stress*. We and our friends at Mental Health Foundation know that it doesn’t have to be this way.

Taking on debt and stress one step at a time

7 Days, 7 Ways is our easy-to-use email programme that helps you take control of your finances, step by step. Written by our expert debt advisors, it's the perfect starting point in helping you to deal with debt.

Each day for a week, we will send through an email linking to 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.

On the MHF website you can find information on how to tackle un-managed stress, be it because of debt or any other problem you may be facing. It’s also where you can learn about ‘mindfulness’, a simple method that may help you manage stressful everyday situations and stay mentally healthy. They also have a debt stress tool that can help you identify unhealthy levels of stress in your life.

Helping to support

Mental Health Foundation 

We’re in this together

We know debt, and we know how it makes people feel. MHF know how stress can wear people down. We've updated our 7 Days, 7 Ways programme with mindfulness tips from the Mental Health Foundation to help you deal with your debt while looking after your mental health and wellbeing. Our aim is help as many of you as possible 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.

Resources to help you 

We've written a number of articles on MoneyAware about debt, mental health and getting support when you or a loved one is struggling. They include:

You can find further information about managing stress on the MHF website. MoneySavingExpert.com also have a free report on mental health and debt that's available for download from their website.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018