Money & budgeting · 5 min read
Debt and mental health: how to cope when money worries take over
Money worries and mental health are closely linked. Debt can cause anxiety and low mood, and poor mental health can make managing money harder. Breaking the cycle starts with small steps.
Tell your creditors
Creditors are expected to treat customers in vulnerable circumstances fairly. Telling them about a mental health condition can lead to extra time, reduced payments or a pause in collections.
Use the protections available
Mental health crisis Breathing Space in England and Wales can pause creditor action for the length of your crisis treatment plus 30 days.
Look after yourself
Talk to someone you trust, and speak to your GP if worry is affecting daily life. If you are in crisis, you can call Samaritans on 116 123 at any time.
Speak to our friendly UK team →
This article is general information only and may not reflect your circumstances. Rules and limits can change, so always check the details with an authorised provider before making a decision.
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