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Money Worries

Money Worries

Nobody likes talking about money worries, but if you find things slipping out of control – maybe you’re struggling to manage your bills each month or need extra help with budgeting – it can be helpful to speak to someone who can help you get back on a secure footing and support you to take back control.

If you are seeking free, confidential and impartial advice on debt problems, you can use the links on the right to contact not-for-profit organisations.


Warning signs to look out for

Money worries can cause a lot of stress, but recognising the warning signs and knowing where to access help can ease come of the strain. As a first step, ask yourself if any of the following apply to you:

• Do you regularly spend more than you have coming in each month?

• Do you have difficulty in sleeping through money worries?

• Do you have ongoing arguments about money issues with a spouse or partner?

• Do you fear you may lose your home or have it  repossessed?

• Do you put off dealing with bank or credit card statements?

• Do you regularly ask family and friends for loans to help get through a month?

If the answer to one or more of these questions is ‘yes’, it might be time to consider, seeking help, and taking back control of your finances. It’s important to remember you are not alone and that confidential, free financial help and information is available (see links above).

Struggling  with NHS Credit Union loan repayments?

As a member of the NHS Credit Union, we understand that your financial circumstances can change. Should this happen and you consider yourself to be struggling with repaying a loan to us, Please get in touch, the sooner you do, the quicker we can help.

Staff Support as an NHS employee

All Health Board and NHS Trusts offer support for staff. Please access your workforce website for more details on financial matters that may be important to you.


Member Support – Overcoming Addiction

At NHS Credit Union, we understand that our members may face challenges related to addiction. If you or someone you know is seeking help, we’ve compiled a list of reputable organizations that provide support and valuable resources.

You can also access the resources available through the staff support pages on your own NHS area website.

Addiction Support Organisations
  • The NHS offers information on recognising signs of addiction and provides guidance on seeking help in general and in your local area at NHS – Addiction Support
  • FRANK provides confidential advice and information about drugs. You can speak to an advisor, find local support, and access resources. Talk to FRANK
  • Alcohol Change UK offers support and resources for individuals dealing with alcohol-related issues. Find information on cutting down, getting help, and staying healthy. Alcohol Change UK
  • Gamble Aware provides support for individuals affected by gambling addiction. Get advice, find local support, and access resources for a healthier relationship with gambling. Gamble Aware
  • Change Grow Live are a nationwide charity that help people change the direction of their lives, grow as individuals, and live life to its full potential. Find local services and resources to help you or someone you know. Change Grow Live Charity

Remember, seeking help is a courageous step towards a healthier and happier life. These organisations are here to provide assistance, guidance, and a community of support.

Contact NHS Credit Union if you have any questions or need additional assistance. Your wellbeing is important to us.