Citizens Advice in Beds, Bucks, and Herts urge people to seek support for January money struggles
The charity says their research shows 60% of individuals receiving help for debt had long-term health conditions, many linked to mental wellbeing
Citizens Advice is urging people across Bedfordshire, Buckinghamshire, and Hertfordshire to seek support early if they anticipate struggling with bills and debt this January.
Ryann Hansen from the charity highlighted that the organisation’s busiest period is often at the end of January, as many people start facing financial strain after festive spending and increased winter costs.
Hansen said, “If you receive a bill you can’t pay, talk to someone early. Most companies are understanding and have vulnerable client support mechanisms in place. We can also help or connect you with organisations like PayPlan, National Debtline, and StepChange if needed.”
Taking action early can prevent financial difficulties from worsening. Hansen stressed that contacting creditors and seeking advice from experts as soon as possible can make a big difference.
“The earlier you seek support, the better. It’s less about firefighting and more about finding sustainable solutions,” he explained.
Citizens Advice is ready to assist with practical advice on prioritising debts and making payment arrangements with creditors. Even if you’re unsure about dealing with financial difficulties, simply having a conversation with their team can provide clarity.
Hansen also warned of the impact persistent debt can have on mental health. With constant calls, letters, and emails from creditors, many people feel overwhelmed, and anxiety and depression often follow.
Figures from one of Citizens Advice’s pilots showed that 60% of individuals receiving help for debt had long-term health conditions, and many of these were linked to mental health struggles.
“There is no shame in seeking support,” Hansen emphasised. “Debt can be overwhelming, but we’re here to help – not just with financial issues but by signposting people to mental health services where necessary to provide holistic support.”