Debt and Money Problems

Debt and money problems often cause stress, anxiety and depression, and when these problems become severe it's natural for the individual to feel that debt is taking over their life.

Debt and money problems can lead to relationship problems or even the breakdown of the relationship; affecting all areas of personal, family and work life.

Repaying debts can be difficult for many reasons, generally though a change in personal circumstances such as divorce, job loss or a new baby are often found as the underlying cause.

Individuals may borrow more money to be able to pay creditors or bills, however this is not usually the best thing to do. The most common thing to do is to try and ignore the problem, but this will not make it disappear. Many people don't know where to turn for help.

Self-help:

It is worth considering that there are many people in the UK in the same position and Britain has never before been as deeply in debt. Consumers now owe more than £1 trillion on cards, mortgages and loans. Six million families are estimated to be struggling to keep up with credit commitments, however with credit cards offering 0% for up to a year, it is easy to see how many people find themselves in trouble.

Research shows that the UK is the only European country with more credit cards than people. The number of consumer debt problems dealt with by Citizens Advice Bureaux is estimated to have risen by almost three quarters over the last seven years, and it is becoming increasingly recognised that there is an under-capacity in debt advice provision. However, there are many organisations that can help free the burden of debts. Free advice services are available (Consumer Credit Counselling Service and National Debtline for example) and Citizens' Advice Bureaux also offer free advice. See below for more information.

Further Help:

Counselling for Debt and money Problems

Counselling for dept and money problems is an effective method of releasing the stress of financial difficulties, and will help the individual understand how they can rebuild their life.

Further support can be given to allow you to understand how changes can be made and help can be given to break repetitive behaviours relating to money, spending and debt.

Your next steps are..

Click here to see our 3 step guide to start counselling and psychotherapy.

Reading Recommendations

If you would like to read more about counselling, then I recommend the following books:

TA Today

Ian Stewart, Vann Joines

£11 .99

This is a comprehensive introduction to Transactional Analysis. The book is well structured and is easily read, and covering the main areas of TA theory. A great feature of this book is the examples and exercises included.
Buy this book online now

Counselling for Toads

Robert de Board

£9.99

I love this book and many of my clients do too. This is an informative story about Toad on the road to recovery from 'depression'. Counselling for Toads provides an insight into the process counselling and psychotherapy, this book should be a companion to anyone that is having or thinking about counselling or psychotherapy.
Buy this book online now

Further information and support

Consumer Credit Counselling Service

National Debtline

Citizens' Advice