4. Get professional advice
It can feel very hard to talk about money problems and ask for help. You may find it hard to do things that make you anxious or tired, for example using the phone, waiting for an appointment or going to an unfamiliar building.
If you've had a bad experience with an advisor or a bank in the past, you might feel as if there's no point in trying again.
But there are lots of places and people who want to help you. Sometimes getting professional advice can be a real relief.
Our useful contacts page has lots of information about places that can help with different kinds of money issues.
If you feel you need more help with your mental health, have a look at our information on seeking help for a mental health problem.