mentalhealthandmoneyadvice.org

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# The Mental Health and Money Advice service: The Mental Health and Money Advice service help and support people understand, manage and improve their money and mental health issues.

## Sitemaps
[XML Sitemap](https://mentalhealthandmoneyadvice.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [How to save money at Christmas and New Year’s](https://mentalhealthandmoneyadvice.org/money-and-mental-health-at-christmas-and-new-year/)
- [What does the Autumn Budget 2025 mean for you?](https://mentalhealthandmoneyadvice.org/what-the-autumn-budget-2025-means-for-you/)
- [Managing your money and mental health on Black Friday and Cyber Monday](https://mentalhealthandmoneyadvice.org/managing-your-money-and-mental-health-on-black-friday-and-cyber-monday/)
- [This Talk Money Week, read our conversation guides around money worries](https://mentalhealthandmoneyadvice.org/this-talk-money-week-read-our-conversation-guides-around-money-worries/)
- [How the Government’s 2025 Welfare Reform Bill affects you](https://mentalhealthandmoneyadvice.org/how-the-governments-2025-welfare-reform-bill-affects-you/)
- [Pathways to Work: What the Government’s social security reforms could mean for you](https://mentalhealthandmoneyadvice.org/pathways-to-work-what-the-governments-social-security-reforms-could-mean-for-you/)
- [What does the Autumn Statement 2024 mean for you?](https://mentalhealthandmoneyadvice.org/what-does-the-autumn-statement-2024-mean-for-you/)
- [Talk Money Week: 10 Small Steps to Improve Your Financial Wellbeing](https://mentalhealthandmoneyadvice.org/talk-money-week-10-small-steps-to-improve-your-financial-wellbeing/)
- [What is the impact of savings on mental health?](https://mentalhealthandmoneyadvice.org/what-is-the-impact-of-savings-on-mental-health/)
- [Your Simplified Options for Dealing With Debt](https://mentalhealthandmoneyadvice.org/your-simplified-options-for-dealing-with-debt/)
- [Debt Awareness Week: Reasons People Don’t Get Debt Advice and How to Overcome Those Barriers](https://mentalhealthandmoneyadvice.org/debt-awareness-week-reasons-people-dont-get-debt-advice-and-how-to-overcome-those-barriers/)
- [What does the Budget 2024 mean for you?](https://mentalhealthandmoneyadvice.org/what-does-the-budget-2024-mean-for-you/)
- [What you need to know about the household energy price cap decrease](https://mentalhealthandmoneyadvice.org/what-you-need-to-know-about-the-household-energy-price-cap-decrease/)
- [What is financial anxiety?](https://mentalhealthandmoneyadvice.org/what-is-financial-anxiety/)
- [World Bipolar Day](https://mentalhealthandmoneyadvice.org/world-bipolar-day/)
- [Why debt can happen to anyone, and how shame can shape our relationship with money](https://mentalhealthandmoneyadvice.org/why-debt-can-happen-to-anyone-and-how-shame-can-shape-our-relationship-with-money/)
- [Tips for managing your money and mental health in 2023](https://mentalhealthandmoneyadvice.org/tips-for-managing-your-money-and-mental-health-in-2023/)
- [How to manage your mental health and money following the energy price rise](https://mentalhealthandmoneyadvice.org/how-to-manage-your-mental-health-and-money-following-the-energy-price-rise/)
- [How the Touco app can help you get support around money and mental health](https://mentalhealthandmoneyadvice.org/how-the-touco-app-can-help-you-get-support-around-money-and-mental-health/)
- [Tips for managing your money and mental health in 2022](https://mentalhealthandmoneyadvice.org/tips-for-managing-your-money-and-mental-health-in-2022/)
- [FCA announces new rules on ‘buy now pay later’ products and overdrafts](https://mentalhealthandmoneyadvice.org/fca-announces-new-rules-on-buy-now-pay-later-products-and-overdrafts/)
- [What to do when debt worries impact on performance at work](https://mentalhealthandmoneyadvice.org/what-to-do-when-debt-worries-impact-on-performance-at-work/)
- [Blue Badges available for people suffering from mental illness](https://mentalhealthandmoneyadvice.org/blue-badges-available-for-people-suffering-from-mental-illness/)
- [What to do if money worries are affecting your mental health](https://mentalhealthandmoneyadvice.org/what-to-do-if-money-worries-are-affecting-your-mental-health/)

## Pages
- [Welfare Benefits](https://mentalhealthandmoneyadvice.org/welfare-benefits/)
- [Managing Money](https://mentalhealthandmoneyadvice.org/managing-money/)
- [Mental Health Care](https://mentalhealthandmoneyadvice.org/mental-health-care/)
- [Mental Health Breathing Space](https://mentalhealthandmoneyadvice.org/mental-health-breathing-space/)
- [Breathing Space AMHP](https://mentalhealthandmoneyadvice.org/breathing-space-amhp/)
- [Breathing Space HCP](https://mentalhealthandmoneyadvice.org/breathing-space-hcp/)
- [Thank you](https://mentalhealthandmoneyadvice.org/thank-you/)
- [Feedback](https://mentalhealthandmoneyadvice.org/please-tell-us-more/)
- [Tell us your story](https://mentalhealthandmoneyadvice.org/tell-us-your-story/)
- [Mental Health and Money Toolkit promotional resources](https://mentalhealthandmoneyadvice.org/toolkit/promo-materials/)
- [Final Demand](https://mentalhealthandmoneyadvice.org/toolkit-health-professionals/final-demand/)
- [Mental Health and Money Toolkit guide for healthcare professionals](https://mentalhealthandmoneyadvice.org/toolkit-health-professionals/)
- [Mental Health and Money Toolkit](https://mentalhealthandmoneyadvice.org/toolkit/)
- [Search](https://mentalhealthandmoneyadvice.org/search/)
- [Real life stories](https://mentalhealthandmoneyadvice.org/real-life-stories/)
- [Help & contacts](https://mentalhealthandmoneyadvice.org/help-contacts/)
- [About](https://mentalhealthandmoneyadvice.org/about/)
- [How can we help?](https://mentalhealthandmoneyadvice.org/how-can-we-help/)
- [Tools](https://mentalhealthandmoneyadvice.org/tools/)
- [Blog](https://mentalhealthandmoneyadvice.org/blog/)
- [Home](https://mentalhealthandmoneyadvice.org/)
- [Privacy Policy](https://mentalhealthandmoneyadvice.org/privacy-policy/)

## How can we help?
- [Managing money for someone you care for](https://mentalhealthandmoneyadvice.org/how-can-we-help/managing-money-for-someone-you-care-for/)
- [Sorry we couldn’t find any helpful information](https://mentalhealthandmoneyadvice.org/how-can-we-help/undefined/)
- [Learn about the benefits they might be entitled to](https://mentalhealthandmoneyadvice.org/how-can-we-help/learn-about-the-benefits-they-might-be-entitled-to/)
- [Help them to budget their money](https://mentalhealthandmoneyadvice.org/how-can-we-help/help-them-to-budget-their-money/)
- [Find out if I am entitled to carer’s allowance](https://mentalhealthandmoneyadvice.org/how-can-we-help/find-out-if-i-am-entitled-to-carers-allowance/)
- [Learn about my options for leaving an inheritance to my loved one](https://mentalhealthandmoneyadvice.org/how-can-we-help/learn-about-my-options-for-leaving-an-inheritance-to-my-loved-one/)
- [Find organisations who the person I work with can speak to](https://mentalhealthandmoneyadvice.org/how-can-we-help/find-organisations-who-the-person-i-work-with-can-speak-to/)
- [Learn more about the links between mental health and money](https://mentalhealthandmoneyadvice.org/how-can-we-help/learn-more-about-the-links-between-mental-health-and-money/)
- [Provide a supporting letter for benefit application](https://mentalhealthandmoneyadvice.org/how-can-we-help/provide-a-supporting-letter-for-benefit-application/)
- [Write a letter to appeal an unfair benefit decision](https://mentalhealthandmoneyadvice.org/how-can-we-help/write-a-letter-to-appeal-an-unfair-benefit-decision/)
- [Options for dealing with debts](https://mentalhealthandmoneyadvice.org/how-can-we-help/options-for-dealing-with-debts/)
- [Which welfare benefits am I entitled to?](https://mentalhealthandmoneyadvice.org/how-can-we-help/which-welfare-benefits-am-i-entitled-to/)
- [Get support for Mental Health](https://mentalhealthandmoneyadvice.org/how-can-we-help/get-support-for-mental-health/)
- [Write a letter asking for my debts to be written off](https://mentalhealthandmoneyadvice.org/how-can-we-help/write-a-letter-asking-for-my-debts-to-be-written-off/)
- [Find out about treatment and care options](https://mentalhealthandmoneyadvice.org/how-can-we-help/find-out-about-treatment-and-care-options/)
- [Top Tips For Managing Money](https://mentalhealthandmoneyadvice.org/how-can-we-help/top-tips-for-managing-money/)
- [Apply for Personal Independence Payment](https://mentalhealthandmoneyadvice.org/how-can-we-help/apply-for-personal-independence-payment/)
- [Know more about ESA](https://mentalhealthandmoneyadvice.org/how-can-we-help/know-more-about-esa/)
- [Advice for professionals](https://mentalhealthandmoneyadvice.org/how-can-we-help/advice-for-professionals/)
- [Advice for friends and family](https://mentalhealthandmoneyadvice.org/how-can-we-help/advice-for-friends-and-family/)
- [Advice for someone who’s mental health is being affected by money](https://mentalhealthandmoneyadvice.org/how-can-we-help/advice-for-someone-whos-mental-health-is-being-affected-by-money/)
- [Advice for someone with mental health and money problems](https://mentalhealthandmoneyadvice.org/how-can-we-help/advice-for-someone-with-mental-health-and-money-problems/)
- [Advice for carers](https://mentalhealthandmoneyadvice.org/how-can-we-help/advice-for-carers/)

## Managing Money
- [Free help is available](https://mentalhealthandmoneyadvice.org/managing-money/can-i-cancel-something-ive-done-when-im-unwell/free-help-is-available/)
- [What if my relative inherits a lump sum?](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-make-a-will-or-trust-fund/what-if-my-relative-inherits-a-lump-sum/)
- [Should the bank protect me?](https://mentalhealthandmoneyadvice.org/managing-money/can-i-cancel-something-ive-done-when-im-unwell/should-the-bank-protect-me/)
- [What does ‘capacity’ mean?](https://mentalhealthandmoneyadvice.org/managing-money/can-i-cancel-something-ive-done-when-im-unwell/what-does-capacity-mean/)
- [Which bills are most important to pay first?](https://mentalhealthandmoneyadvice.org/managing-money/can-someone-else-manage-my-money-for-me/which-bills-are-most-important-to-pay-first/)
- [What is a Court of Protection appointed Deputy?](https://mentalhealthandmoneyadvice.org/managing-money/can-someone-else-manage-my-money-for-me/what-is-a-court-of-protection-appointed-deputy/)
- [Will I be ‘blacklisted’?](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/will-i-be-blacklisted/)
- [Bankruptcy](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/bankruptcy/)
- [Individual Voluntary Arrangement](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/individual-voluntary-arrangement/)
- [What is breathing space?](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/what-is-breathing-space/)
- [Specialist insurance providers for pre-existing mental health conditions](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/specialist-insurance-providers-for-pre-existing-mental-health-conditions/)
- [Codes of Practice and Guidelines](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-manage-my-money-if-i-have-mental-health-problems/codes-of-practice-and-guidelines/)
- [Debt Relief Order](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/debt-relief-order/)
- [Administration Order](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/administration-order/)
- [Seeking help for problem gambling and gambling addiction](https://mentalhealthandmoneyadvice.org/managing-money/how-are-gambling-and-mental-health-conditions-linked/seeking-help-for-problem-gambling-and-gambling-addiction/)
- [Scams, fraud, and your mental health](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/)
- [How are gambling and mental health conditions linked?](https://mentalhealthandmoneyadvice.org/managing-money/how-are-gambling-and-mental-health-conditions-linked/)
- [How do I make a will or trust fund?](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-make-a-will-or-trust-fund/)
- [Can I cancel something I’ve done when I’m unwell?](https://mentalhealthandmoneyadvice.org/managing-money/can-i-cancel-something-ive-done-when-im-unwell/)
- [What is Lasting Power of Attorney?](https://mentalhealthandmoneyadvice.org/managing-money/can-someone-else-manage-my-money-for-me/what-is-lasting-power-of-attorney/)
- [Can someone else manage my money for me?](https://mentalhealthandmoneyadvice.org/managing-money/can-someone-else-manage-my-money-for-me/)
- [What are my options for dealing with debt?](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/)
- [Insurance and mental health guide](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/)
- [Priority Services Register and utility supply](https://mentalhealthandmoneyadvice.org/managing-money/cost-of-living-crisis-and-your-mental-health/priority-services-register-and-utility-supply/)
- [What other effects might I see because of the cost-of-living crisis](https://mentalhealthandmoneyadvice.org/managing-money/cost-of-living-crisis-and-your-mental-health/what-other-effects-might-i-see-because-of-the-cost-of-living-crisis/)
- [How the cost-of-living crisis might affect your mental health](https://mentalhealthandmoneyadvice.org/managing-money/cost-of-living-crisis-and-your-mental-health/how-the-cost-of-living-crisis-might-affect-your-mental-health/)
- [Dealing with money problems during the cost-of-living crisis](https://mentalhealthandmoneyadvice.org/managing-money/cost-of-living-crisis-and-your-mental-health/dealing-with-money-problems-during-the-cost-of-living-crisis/)
- [Cost-of-living crisis and your mental health](https://mentalhealthandmoneyadvice.org/managing-money/cost-of-living-crisis-and-your-mental-health/)
- [How do I manage my money if I have mental health problems?](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-manage-my-money-if-i-have-mental-health-problems/)
- [How are mental health and money worries linked?](https://mentalhealthandmoneyadvice.org/managing-money/how-are-mental-health-and-money-worries-linked/)
- [What can I do if I have borrowed money from a loan shark?](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/what-can-i-do-if-i-have-borrowed-money-from-a-loan-shark/)
- [How to deal with debt collectors in the UK](https://mentalhealthandmoneyadvice.org/managing-money/what-are-my-options-for-dealing-with-debt/how-to-deal-with-debt-collectors-in-the-uk/)
- [Money worries and mental health](https://mentalhealthandmoneyadvice.org/managing-money/how-are-mental-health-and-money-worries-linked/money-worries-and-mental-health/)
- [Can I return things I bought when I was unwell?](https://mentalhealthandmoneyadvice.org/managing-money/can-i-cancel-something-ive-done-when-im-unwell/can-i-return-things-i-bought-when-i-was-unwell/)
- [Who specialises in trusts and mental illness?](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-make-a-will-or-trust-fund/who-specialises-in-trusts-and-mental-illness/)
- [How do I make a will?](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-make-a-will-or-trust-fund/how-do-i-make-a-will/)
- [Insurance and mental health rights](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/insurance-and-mental-health-rights/)
- [Managing money](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-manage-my-money-if-i-have-mental-health-problems/managing-money/)
- [Advice for insurance professionals](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/advice-for-insurance-professionals/)
- [Insurance decision complaint](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/insurance-decision-complaint/)
- [Finding the right insurance cover](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/finding-the-right-insurance-cover/)
- [What insurance might I need if I have a mental health condition?](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/what-insurance-might-i-need-if-i-have-a-mental-health-condition/)
- [Mental health and insurance cover](https://mentalhealthandmoneyadvice.org/managing-money/insurance-and-mental-health-guide/mental-health-and-insurance-cover/)
- [Taking out credit](https://mentalhealthandmoneyadvice.org/managing-money/how-do-i-manage-my-money-if-i-have-mental-health-problems/taking-out-credit/)
- [Other Useful Links](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/other-useful-links/)
- [What to do if you think you are being or have been scammed?](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/what-to-do-if-you-think-you-are-being-or-have-been-scammed/)
- [How scams and fraud relate to mental health](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/how-scams-and-fraud-relate-to-mental-health/)
- [Advice for avoiding scams and fraud](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/advice-for-avoiding-scams-and-fraud/)
- [How to recognise scams and fraud](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/how-to-recognise-scams-and-fraud/)
- [What types of scams and fraud exist?](https://mentalhealthandmoneyadvice.org/managing-money/scams-fraud-and-your-mental-health/what-types-of-scams-and-fraud-exist/)

## Mental Health Care
- [I was claiming benefits when I went into hospital. What will happen to them?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/i-was-claiming-benefits-when-i-went-into-hospital-what-will-happen-to-them/)
- [What is social care and will I be charged?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/what-is-social-care-and-will-i-be-charged/)
- [How much do prescriptions cost?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-prescriptions/how-much-do-prescriptions-cost/)
- [Exemption certificates](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-prescriptions/exemption-certificates/)
- [How do I access private mental healthcare?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/how-do-i-access-private-mental-healthcare/)
- [How do I manage my money if I have to go into hospital?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/)
- [How do I pay for private treatment and therapy?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/)
- [Low cost and free prescriptions](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-prescriptions/low-cost-and-free-prescriptions/)
- [How do I pay for prescriptions?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-prescriptions/)
- [Where can I get support for my mental health?](https://mentalhealthandmoneyadvice.org/mental-health-care/where-can-i-get-support-for-my-mental-health/)
- [How do I pay for social care?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/)
- [How do I pay for residential care?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/)
- [What happens to my money, home and pets when I go into hospital?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/what-happens-to-my-money-home-and-pets-when-i-go-into-hospital/)
- [Support Groups](https://mentalhealthandmoneyadvice.org/mental-health-care/where-can-i-get-support-for-my-mental-health/support-groups/)
- [What is the most I will have to pay?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-is-the-most-i-will-have-to-pay/)
- [What if I cannot look after my money?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/what-if-i-cannot-look-after-my-money/)
- [I can’t afford my debts, what can I do?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/i-cant-afford-my-debts-what-can-i-do/)
- [How can I pay my bills if I’m in hospital?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/how-can-i-pay-my-bills-if-im-in-hospital/)
- [I claim Universal Credit. How will this be affected?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/i-claim-universal-credit-how-will-this-be-affected/)
- [I was working when I went into hospital. What happens to my pay?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/i-was-working-when-i-went-into-hospital-what-happens-to-my-pay/)
- [Should I tell anyone that I have gone into hospital?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-manage-my-money-if-i-have-to-go-into-hospital/should-i-tell-anyone-that-i-have-gone-into-hospital/)
- [What are my rights?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/what-are-my-rights/)
- [How do I pay for private mental healthcare?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/how-do-i-pay-for-private-mental-healthcare/)
- [Why would I choose to go private?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/why-would-i-choose-to-go-private/)
- [What is private mental healthcare?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-private-treatment-and-therapy/what-is-private-mental-healthcare/)
- [The Mental Health Act and section 117 aftercare](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/the-mental-health-act-and-section-117-aftercare/)
- [What are Deferred Payment Agreements (DPA)?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-are-deferred-payment-agreements-dpa/)
- [What social care services are available?](https://mentalhealthandmoneyadvice.org/mental-health-care/where-can-i-get-support-for-my-mental-health/what-social-care-services-are-available/)
- [Where can I get support for my mental health?](https://mentalhealthandmoneyadvice.org/mental-health-care/where-can-i-get-support-for-my-mental-health/where-can-i-get-support-for-my-mental-health/)
- [Direct Payments](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/direct-payments/)
- [Can I complain about the charges?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/can-i-complain-about-the-charges/)
- [What if I cannot afford the charges?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/what-if-i-cannot-afford-the-charges/)
- [Will I have to pay if Section 117 applies to me?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/will-i-have-to-pay-if-section-117-applies-to-me/)
- [What is a personal budget?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-social-care/what-is-a-personal-budget/)
- [What if I cannot afford the charges?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-if-i-cannot-afford-the-charges/)
- [What are top-up fees?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-are-top-up-fees/)
- [What is capital and how will the local authority assess this?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-is-capital-and-how-will-the-local-authority-assess-this/)
- [What is residential care and will I have to pay?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/what-is-residential-care-and-will-i-have-to-pay/)
- [How will the local authority assess my income?](https://mentalhealthandmoneyadvice.org/mental-health-care/how-do-i-pay-for-residential-care/how-will-the-local-authority-assess-my-income/)

## Real life stories
- [How the death of my son affected my mental health and money](https://mentalhealthandmoneyadvice.org/real-life-stories/how-the-death-of-my-son-affected-my-mental-health-and-money/)
- [How becoming my wife’s carer impacted me financially and mentally](https://mentalhealthandmoneyadvice.org/real-life-stories/how-becoming-my-wifes-carer-impacted-me-financially-and-mentally/)
- [How a lasting power of attorney helped me manage my sister’s money](https://mentalhealthandmoneyadvice.org/real-life-stories/how-a-lasting-power-of-attorney-helped-me-manage-my-sisters-money/)
- [How a cut in benefits caused my mental health to deteriorate](https://mentalhealthandmoneyadvice.org/real-life-stories/how-a-cut-in-benefits-caused-my-mental-health-to-deteriorate/)
- [How MHMA helped improve my finances and mental health](https://mentalhealthandmoneyadvice.org/real-life-stories/how-mhma-helped-improve-my-finances-and-mental-health/)
- [I was in £30k of debt before being diagnosed with a personality disorder](https://mentalhealthandmoneyadvice.org/real-life-stories/i-was-in-30k-of-debt-before-being-diagnosed-with-a-personality-disorder/)
- [How Covid-19 has impacted my mental health and money](https://mentalhealthandmoneyadvice.org/real-life-stories/how-covid-19-has-impacted-my-mental-health-and-money/)
- [I could not have applied for PIP without the support of the Mental Health & Money Advice service](https://mentalhealthandmoneyadvice.org/real-life-stories/i-could-not-have-applied-for-pip-without-the-support-of-the-mental-health-money-advice-service/)

## Welfare Benefits
- [Council Tax: Exemptions and support to pay](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/council-tax-exemptions-and-support-to-pay/)
- [Incapacity Benefit](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/incapacity-benefit/)
- [Working Tax Credits](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/working-tax-credits/)
- [Employment and Support Allowance](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/employment-and-support-allowance/)
- [Attendance Allowance](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/attendance-allowance/)
- [How to challenge a Universal Credit sanction?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/universal-credit-sanctions/how-to-challenge-a-universal-credit-sanction/)
- [How can I get financial help if I have a Universal Credit sanction?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/universal-credit-sanctions/how-can-i-get-financial-help-if-i-have-a-universal-credit-sanction/)
- [What is a Universal Credit Sanction?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/universal-credit-sanctions/what-is-a-universal-credit-sanction/)
- [How to apply for Universal Credit](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-apply-for-universal-credit/)
- [Requesting evidence for Universal Credit letter template](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/universal-credit-resources/requesting-evidence-for-universal-credit-letter-template/)
- [Universal Credit contact numbers](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/universal-credit-resources/universal-credit-contact-numbers/)
- [What to do if your Universal Credit payment has been reduced or stopped?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/challenging-a-universal-credit-decision/what-to-do-if-your-universal-credit-payment-has-been-reduced-or-stopped/)
- [How to appeal against a Universal Credit decision](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/challenging-a-universal-credit-decision/how-to-appeal-against-a-universal-credit-decision/)
- [How to challenge a Universal Credit decision](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/challenging-a-universal-credit-decision/how-to-challenge-a-universal-credit-decision/)
- [How to apply for Personal Budgeting Support](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-if-you-already-claim-universal-credit/how-to-apply-for-personal-budgeting-support/)
- [How to reapply for Universal Credit](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-reapply-for-universal-credit/)
- [How to budget your money on Universal Credit?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-if-you-already-claim-universal-credit/how-to-budget-your-money-on-universal-credit/)
- [How to change your Universal Credit work-related requirements](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-if-you-already-claim-universal-credit/how-to-change-your-universal-credit-work-related-requirements/)
- [How to change your Universal Credit Claimant Commitment](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-if-you-already-claim-universal-credit/how-to-change-your-universal-credit-claimant-commitment/)
- [What changes in circumstances affect Universal Credit?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-if-you-already-claim-universal-credit/what-changes-in-circumstances-affect-universal-credit/)
- [How to claim Universal Credit as a student?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-claim-universal-credit-as-a-student/)
- [How to claim Universal Credit when self employed](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-claim-universal-credit-when-self-employed/)
- [How to claim Universal Credit when working](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-claim-universal-credit-when-working/)
- [How to prepare for your Universal Credit Work Capability Assessment](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-prepare-for-your-universal-credit-work-capability-assessment/)
- [How to claim Universal credit with a mental health condition](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-claim-universal-credit-with-a-mental-health-condition/)
- [What is the Universal Credit Claimant Commitment?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/what-is-the-universal-credit-claimant-commitment/)
- [How to fill in your Universal Credit application form](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/help-with-your-universal-credit-claim/how-to-fill-in-your-universal-credit-application-form/)
- [How will Universal Credit affect Council Tax?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/how-will-moving-to-universal-credit-affect-you/how-will-universal-credit-affect-council-tax/)
- [How will Universal credit affect Housing Benefit?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/how-will-moving-to-universal-credit-affect-you/how-will-universal-credit-affect-housing-benefit/)
- [How will Universal Credit affect my Employment and Support Allowance?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/how-will-moving-to-universal-credit-affect-you/how-will-universal-credit-affect-my-esa/)
- [How will Universal Credit affect my Income Support?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/how-will-moving-to-universal-credit-affect-you/how-will-universal-credit-affect-my-income-support/)
- [What benefits is Universal Credit replacing?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/how-will-moving-to-universal-credit-affect-you/what-benefits-is-universal-credit-replacing/)
- [What is Universal Credit transitional protection?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/what-is-universal-credit-transitional-protection/)
- [How to apply for a Universal Credit advance payment](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/how-to-apply-for-a-universal-credit-advance-payment/)
- [How and when is Universal Credit paid?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/how-and-when-is-universal-credit-paid/)
- [How much Universal Credit can I get for mental health?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/how-much-universal-credit-can-i-get-for-mental-health/)
- [Can I claim Universal Credit?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/can-i-claim-universal-credit/)
- [What is Universal Credit?](https://mentalhealthandmoneyadvice.org/welfare-benefits/universal-credit-mental-health-guide/introduction-to-universal-credit/what-is-universal-credit/)
- [Social Security Scotland Benefits](https://mentalhealthandmoneyadvice.org/welfare-benefits/social-security-scotland-benefits/)
- [Social Fund](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/social-fund/)
- [Severe Disablement Allowance](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/severe-disablement-allowance/)
- [Income Support](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/income-support/)
- [Cold Weather Payment](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/cold-weather-payment/)
- [Support for Mortgage Interest](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/support-for-mortgage-interest/)
- [Jobseeker’s Allowance](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/jobseekers-allowance/)
- [Housing Benefit](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/housing-benefit/)
- [Statutory Sick Pay](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/statutory-sick-pay/)
- [Universal Credit](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/universal-credit/)
- [Personal Independence Payment](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/personal-independence-payment/)
- [Welfare Benefits for Mental Health](https://mentalhealthandmoneyadvice.org/welfare-benefits/can-i-claim-welfare-benefits-if-im-living-with-a-mental-illness/welfare-benefits-for-mental-health/)