Debt management

This page will signpost to specialist sites and agencies providing the appropriate expert advice for you. It is important to note that the state of personal and business finances can have a negative effect on mental health. The relationship between financial and emotional crisis can therefore be an unhealthy one, often leading to stress and triggering of suicidal thoughts. Building emotional resilience can help combat these feelings of stress that have been caused by debt.

Advice on Restructuring Borrowing for your Farm Business

AHDB’s Knowledge Library has a wealth on information and advice on coping with business debt, restructuring borrowing, and freeing up cash.

Mental Health and Debt 2024 – Money Saving Expert

“A 2023 survey by debt counsellors Christians Against Poverty found that 81% of those
struggling with debt said it affected their mental wellbeing”

This new guide from Martin Lewis and Money Saving Expert offers help, information, guidance and support for individuals and carers.

It’s key message is that No Debt Problems Are Unsolvable. As Martin says, “Mental health problems can cause severe debt, and severe debt can cause mental health problems” yet he has “never once seen a case of debt that can’t be solved.”

Included is this excellent, practical guide:

  • How to access FREE one to one help
  • How to talk to your bank
  • How to help a friend or family member with mental health problems who has found themselves in debt

NFU Debt advice service: PayPlan

  • Payplan is a free debt advice and solutions company, providing debt solutions and advice on repayments whilst living a normal and happy life.
  • The following link takes you to the ‘GET FREE DEBT HELP’ page, one of the Payplan advisers will then contact you for a chat on your debts and how they can be of help, click here.
  • For further debt advice topics, click here.
  • Call Payplan for free on: 08002802816.

Financial security

The following link takes you to the government advice pages on debt and bankruptcy, click here.



  • NFU are working in partnership with Payplan and have the following downloadable documents for further information on the services Payplan can provide:

Debt and mental health

  • The National Debtline have a downloadable resource on how debt and mental health can impact and affect each other.
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