Money worries are one of the most common triggers for stress, anxiety, and depression in the UK. If you're struggling — whether financially, emotionally, or both — you're not alone, and help is available right now, for free.
Call Samaritans: 116 123 (free, 24/7, any reason) — or text SHOUT to 85258 if you can't talk.
If you're in immediate danger, call 999.
🔍 Find Local Support
The UK's largest mental health support database. Enter your postcode to instantly find local and national services — from NHS crisis teams to community groups near you.
Self-refer for free CBT, counselling and other therapies on the NHS. No GP referral needed in most areas. Available online, by phone, or in person.
💕 Crisis & Listening Services
Call 116 123 anytime, day or night. Completely free and confidential. You don't have to be suicidal to call — any emotional difficulty is enough.
Text SHOUT to 85258. Free, confidential text crisis support 24/7. Useful if you can't speak aloud.
Campaign Against Living Miserably. Free helpline and webchat for anyone in crisis. Call 0800 58 58 58 (5pm–midnight).
Support for young people under 35 with thoughts of suicide. Call 0800 068 4141. Free, confidential, 24/7.
🧠 Mental Health Charities & Information
The UK's leading mental health charity. Excellent guides on anxiety, depression, stress, and workplace mental health. Infoline: 0300 123 3393.
Support for people with severe mental illness and their families. Helpline, local groups, and practical factsheets.
Research-led resources on prevention, wellbeing, and looking after your mental health long-term.
Mental health support specifically for children, young people, and parents. Crisis text: text YM to 85258.
Support for women experiencing domestic abuse, which is often linked to financial control and mental health crisis.
Free support after losing someone. Grief often triggers financial crisis, especially for surviving partners. Helpline: 0808 808 1677.
💼 Money Worries & Mental Health
Financial stress and mental health problems feed each other. Debt makes anxiety worse; anxiety makes it harder to open letters or answer calls. Here are resources that specifically address this link:
The government's money guidance service has a dedicated section on managing your finances when mental health makes it difficult.
Practical advice from Mind on managing money when you're struggling — including getting benefits, dealing with debt, and talking to creditors.
Specialist service focused entirely on the overlap between mental ill-health and financial difficulty. Free advice line and online tools.
🏭 Workplace Mental Health
- Mind: Mental Health at Work — your rights, what to tell your employer, and how to get reasonable adjustments
- Acas: Mental Health at Work — guidance for both employees and managers
- Employee Assistance Programmes (EAPs) — many employers offer free confidential counselling through an EAP. Check with your HR team.
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