The first step to tackling money problems is facing the facts – then you can create a budget and get help if you need it
Not being sure of the extent of your cashflow problem will only stoke your anxiety. Schedule some time to go through all your statements and bills. Find out if you really are in the red and, if so, by how much. Knowing what you are dealing with is the first step to sorting it out. The mental health charity Mind suggests asking someone you trust to open the letters for you.