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Gives information about the relationship between money worries and mental health, with suggestions on how to address them.
Money and mental health are often linked. Poor mental health can make managing money harder and worrying about money can make your mental health worse.
Here are some examples of how your mental health and your money worries might affect each other:
Sorting things out can sometimes feel like an overwhelming task.
Try taking things one step at a time. These suggestions might help get you started.
Your mental health can affect how you manage money in lots of different ways. Recognising those patterns can help you find solutions that work for you.
"A big stressor for me is having to deal with major companies who get the bills wrong."
Here are some examples of things that other people have found helpful.
Sharing your worries and talking things through can be a relief. But it isn't always easy. Try and choose a quiet moment when the other person isn't distracted. It can sometimes help to make notes first or even write everything in a letter.
Here are some people who might be able to help.
Money worries can put a strain on relationships for lots of different reasons.
Some people find it helpful to ask other people to help them manage their money when they are unwell.
"Being able to tell someone I trust helps. If things are bad, my Ma holds onto my cards."
If your partner stops you having access to money as a way of controlling you, this could be financial abuse. The Money Advice Service has more info on what kind of behaviour is financial abuse and where you can go for help.
"When I sat down with my advocate to open bills, it took a lot of the worry away."
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.
Money worries can have a big impact on your general wellbeing, which can sometimes make it even harder to take positive steps.
It can help to try and notice when your mood and behaviour start to change and think about what you can do to help yourself. This can help you feel more in control and prevent money problems getting worse.
Are these things affecting how you feel? What could you do to change them?
It can be lonely if you don't have enough money to go out. You might think it's easier to avoid people but feeling lonely can have a negative impact on your mental health.
Not having enough money can have a big impact on your confidence and self-esteem.
Our mental and physical health are closely linked. Taking up sport or exercise can help you feel better in lots of different ways.
Getting too little or too much sleep can have a big impact on how you feel. Worries and problems can feel overwhelming at night.
Exploring how what you eat affects your mood might help you to feel better.
Mind offers a few different ways that you can start seeking help for problems with money or your mental health:
This information was published in November 2016. We will revise it in 2019.
References are available on request. If you would like to reproduce any of this information, see our page on permissions and licensing.