The stress of money worries or legal problems has a different effect on each of us. It can sometimes affect our mental and physical health, but there are steps you can take to lessen the stress and worry.

You may be tempted to ignore what is going on because you are too scared to face it, but this is unlikely to make the legal or money problems go away and in fact they may grow if you don’t address them.  There are some things listed below that can help.

  • Take it one day at a time
    Sometimes it just all seems too much to cope with all at once. Focus on the here and now and trust that you will have what it takes to cope with tomorrow. Plan your day so that at the end of it you will feel you have achieved something, however small.

  • Talk about it and ask for help
    Talking about your feelings and the stress you are under with family, friends, a G.P. or a counsellor is a good way to cope with a problem. You can also talk to the Samaritans on 116 123 or email

  • Advice on money problems
    Taking control of your money problems may help reduce your stress levels. The Money Advice and Budgeting Service (MABS) can help with this. You can contact them on 1890 283 438.

  • Support for mortgage worries
    If you are worried about mortgage repayments or your mortgage is in arrears, go to or contact the Mortgage Arrears Information Helpline on 0761 07 4050.

  • Legal aid and advice
    If you have a legal problem, talk to a solicitor. If you cannot afford a solicitor, contact the Legal Aid Board. Most Citizens Information Centres also have someone available at certain times to give legal advice, so they may also be able to help.