Debt is a basic fact of life for most people – and honestly, that’s usually not much of a problem. Everything from credit cards and student loans to decades-long mortgages are day-to-day realities all across the UK. As long as your debts are under control, you’re probably fine most of the time.

However, there are definitely times when debts start to mount up – and that’s where they can begin to be a problem for more than just your wallet. Debt is a key source of stress, depression and anxiety for many people. The key thing to remember is that you’re not as alone or helpless as you think you are. There are resources out there to help you. Perhaps more importantly, there are ways of making sure your debts never spiral out of control in the first place.