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Worried about someone else? 

If you’re worried about a friend or family member who’s having money troubles, you’re not alone. It can be hard to know how to help them or how to even start talking about it. This page will help you learn the best ways to support and help someone you care about. 

Start the conversation 

Talking about money can be tricky. It’s even harder if someone is feeling stressed about it. Here’s how you can bring up the topic gently. 

  1. Choose the right time and place: Find a quiet moment where you can chat without being interrupted. Choose somewhere private where they’ll feel safe to open up. 
  1. Be kind and don’t judge them: Start by expressing your care and worry. You might say something like, “I’ve noticed you seem stressed lately, and I’m here if you want to talk about anything.” 
  1. Listen more than you speak: Give them space to share their feelings. Listen carefully and don’t rush to give advice. 
  1. Offer reassurance: Let them know they’re not alone and that many people face money problems. Assure them that it’s okay to get help and that solutions are available. 
Ready to make a plan?
However you feel comfortable, we can help you make a plan to take control of your debt.

Introducing National Debtline 

After your conversation, you might suggest that they reach out to National Debtline for professional advice. 

We’ve been helping people in UK with debt for over 30 years. We know being in debt can be hard to deal with. That’s why we’re here to help. 

Free to use. Always. 
All our help and information is completely free for everyone, forever. 

Independent and trusted  

We are an independent registered charity, authorised and regulated by the Financial Conduct Authority. You can trust all our advice will always be impartial. 

Built around you 
We know debt is different for everyone. We will always build a plan that works for you. 

Anonymous and confidential 
We know talking about debt isn’t easy. So you can be confident that your details will never be shared. 

Other ways to help 

Here are some more ways you can help someone who’s having a hard time with money. By doing these things, you show that you really care and want to help them feel better about their money problems. 

  • Help them with budgeting: Offer to help them make a budget plan to track their spending and saving. 
  • Point out resources: Our support resources might be useful if someone you know is struggling with their mental health. 
  • Be there for them: Sometimes just knowing someone is there to listen can be a big relief. 
  • Encourage small steps: Celebrate their small wins. This can boost their confidence.