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. The NHS has a list of organisations to help support you if you cannot talk to a loved one. You can also find lots of helpful resources on NHS Every Mind Matters.
You may wonder what we can do to help you. At a glance: We give free and confidential advice Our advisors help thousands of people every year We help you take control of your situation Find out more about why you should trust us with your debt problem. You may worry about money even on a debt solution. You can still get in touch.
You may be able to get help from your creditors. Let them know if stress is impacting your payments. Chat to a health or care professional Ask them to sign a debt and mental health evidence form (DMHEF) Send the DMHEF to the people you owe This lets your doctor share information with them about your mental health They want to help with your money worries, not make them worse.
Dealing with debts can be overwhelming, but there are small things you can do that have a big impact. Start by visiting our debt calculator tools page. Find out: If you have problem debt If debt consolidation is right for you If there are any benefits you can claim If you can release equity Sign up to our 7 Days, 7 Ways email programme. It helps you: Make a budget Sort your priorities Build savings Increase your income
Take some pressure off yourself by talking to people who either: Are going through the same thing Have been through the same thing Did you know we have a Facebook community? Drop by any time. MoneySavingExpert also has a thriving online community. It is a place to: Talk anonymously Vent money worries Share tips to turn things around