Money and your mind
Lesson 10 of 12 in our free Debt & Getting Help guide: a 5-minute money game with the key points below.
Reading is cool. Playing is cooler.
This lesson is a 5-minute game. Free, no sign-up needed.
The story so far
Mo: Honestly I haven't been sleeping. Every time my phone buzzes I think it's a debt text.
Nana: Thank you for saying that out loud, love. That's the bravest step.
Chip: Money worries and mental health often feed each other. There's support for both — and you can tell creditors if you're struggling.
Questions you'll answer
Mo is struggling with his mental health and his debts. Which step can help with both?
Tell his creditors and a debt adviser — they can note it and adjust how they deal with him. Yes. Lenders should take extra care. A health professional can also fill in a form that explains how your mental health affects your finances.
Quick facts
- A free debt adviser → Debt help. Builds your plan and deals with creditors.
- Samaritans — free to call, any time, day or night → Emotional support. Someone to listen, whatever you're going through.
- Your uni's student support team → Both. Unis often have money advice AND wellbeing services under one roof.
- Your GP → Emotional support. Looks after your mental health. They won't sort the debts, though they can fill in an evidence form if your debt adviser asks.
- Fact: “If you're receiving crisis mental health treatment in England or Wales, a special Breathing Space can last for the whole treatment plus 30 days.” — Mental Health Crisis Breathing Space has no fixed 60-day end.
- Myth: “Feeling overwhelmed by money is a sign you're bad with money.” — It's a sign you're under pressure. It happens to loads of people, and help works.
- Fact: “You can talk to Samaritans even if you're not sure it's 'serious enough'.” — You don't need a reason. They're there to listen.