Do you find yourself worrying about your debts?

Posted 10 February 2015

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New research has revealed that 91% of Scottish residents who consider themselves to have a debt problem, worry about it.


Dealing with debt can be difficult, especially when the worry and anxiety you feel over the amount you owe starts to have an impact on other aspects of your life. Whether you’re losing sleep, your relationships with friends and loved ones are strained, or if you’re feeling depressed … these are all often signs that your worries are taking their toll.


If you can relate to this, you’re not on your own. New research* conducted on our behalf has found that 91% of people in Scotland who consider themselves to have a debt problem, worry about it. In fact, of those people, 2 in 3 admit to worrying about it often or all of the time.

Worrying about your debts

As a result of feeling worried about your debts, you may find that you’re having difficulty sleeping at night … over half of Scots who say they have a debt problem admit that their money issues are impacting on their sleep. There are a few things that you can do to help you rest easier, such as cutting out caffeine, not clock watching or having a hot shower before you go to bed, but the best remedy to help you get a good night’s sleep is to deal with the root of the problem … the debt itself.

Debt and depression often go hand in hand, and many people start to feel anxious when dealing with growing debt. Almost half of Scots with a debt problem say that it is affecting their mental health. If you find that your mental health has suffered as a result of your debts, it’s important to remember that there are people out there who can help. Organisations such as Mind and the Samaritans all have services available, where you can talk to someone about how you’re feeling and get the help you need.


Debt can also have an impact on the relationships in your life, especially if you don’t open up to your partner or your family about the extent of your money problems. Confiding in someone that you know and love can help you to get the support that you need. You never know, they too may have faced debt problems in the past and could have some advice, so try not to be afraid to approach them.

Seeking help

Alternatively, if you want to get some advice about your situation but can’t face talking to anyone close to you, one of our expert advisers will be able to listen to your situation and talk you through the different debt solutions that are available, some of which charge a fee.


Simply talking to someone about your situation could help to alleviate some of the pressure that you’re feeling. The advice that you’re given could also be just what you need to start to regain control of your finances again.


*OnePoll questioned a nationally representative sample of 2,000 adults aged 18 and over between 20th January and 27th January 2015, of whom 635 were in Scotland.

by Christine Walsh

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To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.