Worrying about money can affect our mental wellbeing and can be extremely stressful. Our ability to manage money can also be affected by a mental health issue.

Sometimes having poor mental health and money difficulties can create feelings of guilt, shame and failure. It is important to remember that you are not alone and that many people have been in a similar situation to yourself.

Increasing cost-of-living pressures can lead to more financial stress, so knowing ways to look after your mental health when dealing with money problems is more important than ever.

‘Try to make the most of your money and get help with debt problems’ is one of the Mental Health Foundation’s best mental health tips backed by research.

Signposts for 'Manage Money Worries' - local support 

Citizens Advice Scotland and local bureau

Free, impartial and confidential advice, delivered by trained advisers.

Scottish Citizens Advice Helpline - 0800 028 1456

  • Central Borders CAB (Galashiels office) 01896 753 889
  • Roxburgh and Berwickshire CAB (Hawick office with extensions in Duns, Eyemouth and Kelso) 01450 374 266
  • Peebles and District CAB (Peebles office) 01721 721 722

Scottish Borders Council - information about support

Benefits and Grants

Housing and Homelessness

Support for Employment

Useful websites and apps

NHS Borders Money Worries App

Digital directory with information about support services available nationally and locally in the Scottish Borders. The user-friendly design and content are divided into four key areas; Money, Health, Housing and Work. Available to download on the Apple app store or Google Play store.

Mental Health and Money Toolkit

Mental Health UK website with clear advice and support.

Parent Club 

Advice that is tailored to family needs

Eat Well Spend Less 

Tips to save money when you're shopping

Home Energy Scotland

Free, impartial advice on energy saving, keeping warm at home, renewable energy, greener travel, cutting water waste and more. 

ChangeWorks

Make your home more energy efficient

Cost of Living Support

Scottish Government information about help during the cost of living crisis

Money Advice Scotland

Information about support from Scotland’s money charity

Advice Direct Scotland 

Information and support about debt related issues. Telephone 0808 196 2316

Problem Gambling information

Information and advice from NHS Inform