In 2022, we saw four different Chancellors, a ‘Mini-Budget’ and a major U-turn on some of those measures. All the while, cost of living increases from food shops to forecourts are still impacting us all. On top of this, everyday life events can impact our finances. So, what effect does this have on us, and what can we do if we find ourselves in debt? On this month’s episode, we hear listeners’ stories about their own debt struggles and discussion from: Research Officer at the Money and Mental Health Policy Institute; Chris Lees Personal Finance Expert, Founder of Mrs Mummypenny, Author of 'The Money Guide to Transform Your Life and PensionBee customer; Lynn Beattie    PensionBee's COO and Mental Health First Aider; Tess Nicholson   Episode Breakdown:  The causes of debt The effects of debt on your mental health  The help available if you’re struggling financially Listeners’ debt stories Lynn Beattie’s personal debt recovery story *If you’re struggling with your mental health because of concerns about debt or anything else and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT’ to 85258 and speak to a volunteer, anonymously.  If you’re concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust.    Further reading: For more information on the issues raised in this episode, follow these useful links from the PensionBee website:  Six ways to manage your money and your mental health What is the impact of debt on mental health? How to talk about money Pensions Academy: What happens to pensions in special circumstances? The effects of debt and how we can break the cycle  How do you pay off a credit card? Introducing our Mental Health First Aiders Recovering mental health and recovering finances 4 reasons why sorting your pension is important for your health   Other useful resources: National Debtline  Step Change debt charity  Christians Against Poverty charity  Citizens Advice Service Turn2Us charity Mrs Mummypenny Talks podcast  Money and Mental Health Policy institute Dealing with the financial impact of rising costs of living (FCA) Your credit score and debt help (Money Saving Expert)    Catch up on the latest news, read our episode transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @MoneyandMentalHealth on Facebook, X and LinkedIn and Lynn @MrsMummyPenny on X, TikTok, Instagram, LinkedIn and Facebook. Enjoying the podcast? Then don’t forget to give us a review! As always, we’d love to hear your stories and feedback. Send us an email: [email protected] 

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