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Money worries and mental health

July 20, 2025

Money worries are very common. Many people feel stressed or upset about money at some point in their lives. You might worry about bills, debt, or not having enough money to get by.

These worries can affect how you feel, think, and cope each day. If this sounds like you, you are not alone — and help is available.

How Money Worries Can Make You Feel

When money feels hard to manage, it can affect your mental health.

You might feel:

  • Stressed or anxious
  • Low or sad
  • Tired or unable to sleep
  • Angry or frustrated
  • Ashamed or embarrassed

These feelings are normal. Money problems do not mean you have failed. They often happen because of changes in life, like illness, job loss, rising costs, or family worries.

Money Stress Can Affect Everyday Life

When money worries grow, they can spill into other parts of life.

They can cause:

  • Trouble sleeping
  • Problems at work or school
  • Arguments with family or friends
  • Difficulty concentrating
  • Feeling stuck or trapped

The longer worries build up, the heavier they can feel. That is why getting support early is important.

You Don’t Have to Deal With It Alone

Many people try to cope with money stress on their own. This can make things feel worse.

Talking to someone can help:

  • You feel less alone
  • You understand your options
  • The stress feels lighter

Support can help with both money problems and how they affect your mental health.

Getting Help With Money Worries

If money is causing stress, talking to a trusted organisation can really help.

Support may include:

  • Help with budgeting
  • Advice on debt
  • Support to understand bills
  • Finding fair and safe financial options

A credit union can also help. Credit unions are not‑for‑profit and are there to support people, not make money from them. They offer:

  • Safe savings accounts
  • Fair and affordable loans
  • Friendly, judgement‑free support

Getting the right help can take pressure off your mind.

Look After Your Mental Health Too

Money worries affect your mental health, so it is important to care for both.

Small things can help:

  • Talking to someone you trust
  • Taking short breaks when you feel stressed
  • Going for a walk or getting fresh air
  • Doing something calming, like music or reading

You do not need to do everything at once. Small steps are enough.

If You Feel Overwhelmed

Sometimes money worries can feel too big to handle.

If you feel:

  • Overwhelmed
  • Very anxious
  • Low or hopeless
  • Like you cannot cope

Please talk to someone right away.

You can contact Samaritans, any time, day or night:

  • Call 116 123 (free, UK)
  • Visit www.samaritans.org

You do not need to be in crisis to contact them. They are there to listen and support you.

Take One Step at a Time

You do not have to fix everything today.

One small step could be:

  • Making a phone call
  • Asking for advice
  • Talking to a friend
  • Seeking financial support

Each step you take matters.