Not having enough money to pay important bills like rent, Council Tax, gas and electricity can be stressful. Your health can also suffer if you’re not eating properly or keeping warm.
While it’s easy to get into debt, it’s more difficult to get out. The most important thing is to talk about your situation with someone you trust. This could be a family member, friend or someone at work. They could help you contact your local authority, landlord or creditors.
Talk to a debt adviser. You might not think so, but talking about your debt can help.
To reduce your debt, you need to make savings where possible and plan to make regular payments to your creditors. But you need to look after your mental and physical health too. So not eating because you have to pay a gas bill is not a good plan.
People get into debt for different reasons. Whatever the reason, it’s important that you share your concerns with someone you trust.
Talking about money can be difficult, but so is keeping it to yourself.
If your friends and family are unaware of your money worries, they might expect you to join them for days out, meals in restaurants or drinks in a bar. If you keep saying ‘yes’, you’ll get further into debt.
Try doing things together that are free. It’s important for your mental health to forget about your debt worries for a while. Visit each other’s homes for tea. Go to the local park or nearby green spaces. Many museums and places of interest are free to visit.
When you’re in debt, your mental health can suffer so it’s important you maintain friendships, get exercise and fresh air. Look for local groups to join, such as a choir or gardening club or other free leisure activity. Your library could also offer advice about local groups.
If your debt worries do start to affect your health, visit your GP. They may be able to refer you to help.