Debt and money problems
Experiencing debt or money worries can make you feel hopeless and out of control, affecting how you think, feel and sleep. Taking charge of your money problems can help you feel better and more in control.
In this section you can access tools and information to help make managing your finances much easier and find out who you can talk to for support.
You can find out where you can get help with debt and money worries in the practical help section of I need help now! This includes information about:
- Finding emotional support.
- Independent advice.
- Controlling debt and budgeting.
- Accessing benefits and grants.
- Affordable loans.
If you are struggling to cope and need to talk to someone now, you can call:
- The Connect helpline on 0808 800 1212 (freephone) which gives emotional support and information to people in Leeds every night of the year (6pm-2am).
- The Samaritans on 116 123 (freephone) - open 24 hours a day.
Tools and apps
- Find out how to take control of your debt.
- Learn ways to reduce your bills and save money.
- If necessary, consider different types of support as a temporary measure such as food banks or applying for a grant.
- If you do need to take out a loan, consider your options carefully.
- Look after your health and wellbeing - facing debt can be distressing and cause severe anxiety.
A mental health problem can make it more difficult to manage your finances. Some problems can lead people to make impulsive decisions and spend money they don't have while others can make it difficult to find the energy to keep track of spending. These resources can help you to take control of your debt, reduce your outgoings and access the support you need:
- Get the Money Saving Expert free Mental Health and Debt Guide
- Mental Health and Money Advice website (developed by the charity Mental Health UK and Lloyds Banking Group)
- Mind's guide to Money and mental health
- The Mental Health Foundation's guide to Debt
- Rethink Mental Illness's guide to Managing budgets and debt