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How to cope with money worries

Feeling low or anxious is a normal response when you are struggling with debt.

You may be feeling, behaving or thinking in ways that are unfamiliar. But that doesn't mean you're suffering from depression or have an anxiety disorder.

Surviving financial stress

Stay active

Keep seeing your friends and try to keep paying the bills. If you have more time because you're not at work, take up some form of exercise. It can improve your mood if you're feeling low.

Get tips on getting active.

Face up to the situation

If it looks like you're getting into debt, get advice on how to prioritise your debts. When people feel anxious, they sometimes avoid talking to others. Some people can lose their confidence about driving or travelling. If this starts to happen, facing up to these situations will generally make them easier.

Don't drink too much alcohol

For some people with money worries, alcohol can become a problem. You may drink more than usual as a way of dealing with your emotions or to fill time. But alcohol won't help you deal with your problems and could add to your stress.

Get tips on how to cut down on alcohol.

Don't lose your daily routine

Get up at your normal time and stick to your routine. If you lose your routine, it can also affect your eating. You may miss breakfast because you're still in bed or eat snacks instead of having proper meals.

Read our healthy eating guidelines.

More help for money problems

Citizens Information

Citizens Information is a good place to get information about benefits and how to deal with debt. You can also find out what you're entitled to if you're made redundant. They will also tell you who to speak to if you're at risk of losing your home.

Finding a new job

The finding and getting a job section on gives advice for people looking for work.

Staying healthy on a budget

Ideas for exercising in your home

Coping with debt

Money Advice and Budgeting Service (MABS) has information on how they can help with debt.

When to get medical help

See your GP if you're still feeling worried, anxious or low after a few weeks. If you think it will help, your GP can tell you about psychological therapy services in your area.

Look for help immediately if you feel you can't cope.

If life is becoming very difficult or if you feel it isn't worth living, see your GP or call the Samaritans on Freephone 116 123 or text.

page last reviewed: 23/09/2018
next review due: 23/09/2021

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