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Managing your money


Successful management of money is an important part of maintaining your independence and personal wellbeing.

Good information and advice is available on making the most of your money, whatever your financial circumstances.

Budgeting and planning

Budgeting allows you to ensure that your spending stays within what you can comfortably afford, and lets you prioritise the things that are most important to you.

The Government's Money Advice Service provides good easy-to-understand online information and budgeting tools.

Plan before you borrow

Understanding the cost of borrowing money is an important part of staying within your budget.

The Money Advice Service offers a range of ways of planning properly if you decide that you do need to borrow money so that there aren't any surprises about how much you'll have to repay and when.

Getting benefits

It's important that you are getting the benefits you are entitled to. Many benefits are not means-tested, this means you become eligible because of a mental or physical illness or disability.

Find out more about benefits and financial support.

Calculating your benefits

Online benefit calculators are available that will work out for you the benefits you can claim from local and national government.

Money and mental wellbeing

Financial worries and mental wellbeing

Being in debt or having money worries can have a negative impact on your mental health and wellbeing.

Mental health charity 'Mind's national' has a series of pages with information and advice on money and mental health.

When to seek urgent help

If you start feeling like you really can't cope, life is becoming very difficult or your life isn't worth living, get help straight away. These are dangerous signs that mean you need to talk to someone.

Ask to see your GP, or contact the Samaritans (08457 90 90 90) for confidential, non-judgmental emotional support.

If you've already had depression or anxiety, even if they weren't formally diagnosed, seek help immediately. You're more likely to have an episode of depression if you've had one before.