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What is Mental Health & Money Advice?

Mental Health & Money Advice is the first UK-wide service to combine support for both mental health and financial problems.

We’re here for anyone with a mental illness who is struggling with their money, as well as anyone whose financial problems are affecting their mental health.

Four million people in the UK have both mental health and money problems, and a further four million are at risk because they’re having financial difficulties.

Together these issues can create a worrying cycle that can lead to problems with relationships, work and housing.

While there are many excellent debt advice services available, this service is able to offer mental health support alongside advice.

What does Mental Health and Money Advice do?

Our website provides free and impartial information, support and advice for anyone affected by mental health and money issues. That includes support for friends, families, carers and professionals working in the area.

What help is available on the Mental Health & Money Advice website?

  • Expert advice: Managing your mental health and money can be confusing. Our advice sections break down the most commonly requested information and resources surrounding mental health and money into plain English.
  • Free financial tools and calculators: To help you better manage your money, we provide a range of free online budgeting tools and calculators to help you plan ahead and stay on track.
  • Sample letters and templates:  When dealing with money issues, may have to write and send letters to legal, medical, or other professional organisations. Our bank of template letters give you an example of what to write, so all you have to do is fill in the blanks.
  • Real life stories: When it comes to understanding money and mental health issues, it helps to hear from other people who might have been in a similar situation to you. Our real life stories give first-person accounts of how people just like you have overcome their mental health and money issues to get back on track.
  • Useful contacts: Sometimes you’ll need more information than what’s covered on our website. For each area of advice we offer, we provide a list of useful contacts for when you need to speak to someone directly or over the phone, or need more detailed information.

Who is behind Mental Health & Money Advice?

Mental Health & Money Advice has been developed by Mental Health UK. Mental Health UK is a UK-wide charity that represents its four member charities; Rethink Mental Illness in England, Adferiad in Wales, Change Mental Health in Scotland and MindWise in Northern Ireland.

  • England: Rethink Mental Illness
    Authorised & regulated by the Financial Conduct Authority 624502
    Charity Registration: 271028
  • Wales: Adferiad 
    Hafal, trading as Adferiad is authorised & regulated by the Financial Conduct Authority 779927
    Charity Registration: 2751104
  • Scotland: Change Mental Health
    Authorised & regulated by the Financial Conduct Authority 782332
    Charity Registration: SC013649
  • Northern Ireland: MindWise
    MindWise is the operating name of Mind Wise New Vision which is authorised & regulated by the Financial Conduct Authority 618926
    Charity Registration: NI071976

What if I need to speak to someone?

We are currently only available to all online, access to our advice line is by referral only via 7 organisations listed below. 

If you are currently receiving support from one of the 4 founding charities below, please contact your support worker to establish if you can be referred to our advice service. 

  • Rethink Mental Illness (England): 0808 801 0525
  • Adferiad (Wales): 01792 816600
  • Change Mental Health (Scotland): 0808 8010 515
  • Mindwise (Northern Ireland): 028 9040 2323

Additionally, there are 3 referral partners who you can contact for support and they can also refer you to our advice service should you meet the eligibility criteria. 

  • National Debtline: 0808 808 4000
  • StepChange: 0800 138 1111
  • Money Helper: 0800 011 3797

For further support take a look at the Help & Contacts section of our website. This will give you easy access to other trusted organisations that can offer specific advice related to either mental health or money issues.

Journalists can contact our team via email: with any media enquiries. Please note, we will not be able to answer questions about referrals or divert you to the Mental Health & Money Advice service.

Mental Health UK

Mental Health UK

Mental Health UK challenge the causes of poor mental health and provide people with the tools they need to live their best possible life at home, school and work. In a rapidly changing world, we bring together the heritage and experience of four charities from across the country who’ve been supporting people with their mental health for over 50 years.

Please tell us more

For urgent help, please see Help & contacts