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Things are hard for a lot of us right now. Stress is a normal response to that.
Our step-by-step guide is for anyone weighed down by money worries.
It can help you:
Spot the signs of debt stress in your life
Talk to someone you trust about your worries
Get debt advice if you need it
Make your creditors aware of any issues you have and how they can support you
Take small steps towards a better financial future
Connect with others who know what you're going through
For more on debt and mental health, visit our page here.
Our expert team helps thousands of people every week. Free debt help is available online 24/7.
Asking for help can be hard.
Are debts causing you stress? Do you feel you never have the time?
Whatever the barrier, let’s deal with it together.
Find out more here.
6 steps to dealing with debt stress
You cannot deal with a problem until you see it.
Signs that debt problems are causing you stress may include:
Feeling sad, sick or overwhelmed when you think about debt
Finding it hard to sleep or eat
Avoiding friends, family and loved ones
Finding it hard to focus on work or other tasks
Dealing with depression, anxiety or other mental illnesses
Sudden changes to your life can also cause a lot of worry.
Do not be afraid to seek out the support you need. Thousands of people are struggling, for many different reasons. You are not alone, and there is a way forward.
Is there anyone you feel comfortable talking to?
It can be hard to talk about debt. But sharing what you are going through can help you feel less alone.
Take two minutes to answer a few simple questions, and we will find the best way to help you.
Get help now
Hear from people we've helped
Every year, we help over 650,000 people resolve their problems, repay their debts and rebuild their lives.Find out how we helped them regain control of their finances.
Read our clients' stories
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Dealing with the debts of a vulnerable person
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If you feel someone is at serious, immediate risk and will not approach anyone for help, you can contact their local social services, who can decide to arrange an assessment (you can usually find the number for social services on the local council's website).
Borderline personality disorder is one of the most painful mental illnesses since individuals struggling with this disorder are constantly trying to cope with volatile and overwhelming emotions.
Anosognosia is a neurological condition in which the patient is unaware of their neurological deficit or psychiatric condition. It is associated with mental illness, dementia, and structural brain lesion, as is seen in right hemisphere stroke patients.
When a person refuses mental health treatment, it is important to listen, express your concerns, and ask them how you can help. If a person shows signs of a mental health emergency, then you should take action right away by contacting 911 or your local crisis response team.
These might include community mental health teams (CMHTs), social care services, residential care services, and crisis resolution and home treatment teams (CRHTs or 'crisis teams'). To find out more see our pages on: support services. community and social care rights.
Mental illness is a leading cause of disability. Untreated mental illness can cause severe emotional, behavioral and physical health problems. Complications sometimes linked to mental illness include: Unhappiness and decreased enjoyment of life.
If the relationship becomes too emotionally draining, affects your own mental health negatively, or if there's a pattern of toxic behavior that doesn't improve despite attempts to help, it may be time to consider walking away.
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