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Debt Management

Managing debt can feel particularly overwhelming when you're already coping with feelings of being overwhelmed or experiencing depression. It's important to remember you're not alone and there are steps you can take to gradually regain control over your finances. Alongside these steps, there are several free charities in England dedicated to providing compassionate and comprehensive debt management support.


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Here's a gentle guide to start your journey towards debt management, alongside a list of charities that can help.


Steps to begin managing debt:


  1. Acknowledge Your Feelings: Recognize that feeling overwhelmed is a natural response to debt, especially when dealing with depression. Be kind to yourself as you begin this process.

  2. Take One Step at a Time: Break down the process into small, manageable steps. Start by simply listing out all your debts, no matter how small or large.

  3. Prioritize Your Debts: Identify which debts need urgent attention (such as those with higher interest rates or those that are essential for your living, like rent and utilities).

  4. Set Realistic Goals: Work on setting small, achievable goals for paying off your debts. Even small payments are progress.

  5. Seek Support: Reaching out for help can make a significant difference. Free debt advice charities can offer guidance tailored to your specific situation.



Free Charities for Debt Management Support in England


National Debtline:

Step Change Debt Charity:

Citizens Advice:

Money Advice Service:

Christians Against Poverty (CAP):


Dealing with debt is undoubtedly challenging, especially when facing mental health hurdles. However, remember that taking even the smallest step towards managing your debt is a positive move forward. The charities listed above are there to support you without judgment, offering practical advice and emotional support.


You deserve a future free from the burden of debt and with the right support, you can make that future a reality.



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