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Are money worries keeping you up at night?

Published on:November 14, 2016Author:Lucyna Rynkiewicz-Jones

Money Worries

“I believe there are 3 D’s which can be seriously debilitating, and if not dealt with in the right way can be detrimental to you and those around you” adds Bev Budsworth, MD of The Debt Advisor Ltd based in Old Trafford. She adds “these are debt, divorce and death.  Naturally, these can cause anguish which hits you in the pit of your stomach and are often all consuming.”

It is estimated that around 7.4 million Brits struggle sleeping due to money worries, with over 1.7 million worrying about debt issues. Waking up to the thought of dwindling finances can be crippling and can often feel all the more daunting first thing in the morning.


According to Harvey Kersh from Yoga with Harvey, something as simple as investing a little more time in your breathing can bring immense relief from anxiety caused by debt stress. Harvey recommends the following:-

  • Imagine the air you are breathing is like filling a glass of water, get the air to the bottom on your stomach and feel it expand with air
  • Use your stomach muscles to push the air out until you can feel you contract
  • Breathe in for the count of 4 and out for the count of 7

Harvey added that concentrating on your breathing will help you clear your brain of the negative thoughts, give it the much needed rest and bring any anxiety under control.

Your stomach is linked to your brain

Over the past couple of years there have been many studies to support the idea that gut bacteria is directly linked to a person’s health. These studies have shown a positive correlation between microbes (micro organisms) and digestion, allergies and metabolism.

But these microbes’ have the ability to travel far beyond just our gut and in fact, influence the way we think and feel through the human brain.

A glass of wine, or 2, may seem like a good idea and a quick escape at the time but alcohol can cause a build up of bacteria in your gut, sending messages to your central nervous system (CNS) that trigger mood and behavioural changes, and even anxiety.

According to a study published in the journal Gastroenterology, individuals who consume yoghurt twice a day reacted more calmly to those who consumed no yoghurt at all. It concluded that the bacteria in yoghurt change the makeup of gut microbes, leading to the production of compounds that modified brain chemistry.

Dealing with Debt

Talking to someone about your debt is however, vital.  Ideally you want to speak to someone that understands how debt solutions work plus the benefits and risks. Avoid unregulated debt advisers. The Financial Conduct Authority regulates the activity of debt counselling. If in doubt check the FCA register.

The most appropriate solution depends on your debt level, how much spare income you can contribute each month and the value of your assets – property less mortgage. Our website, sets out the benefits and risks all of the key debt solutions.

Call Lucy and our team of advisors for help. They will need to understand your circumstances and am assessment will identify what options are available. Putting off the discussion will guarantee more sleepless nights!

There a range of solutions depending on whether you are salaried or self employed or you are a director or shareholder of a limited company. If you would like our team to call you, please use our contact form.

All debt solutions need to be carefully considered. IVA’s are formal solutions and failure to keep to the terms can result in your IVA failing and you could end up bankrupt.

There is also free debt help and advice available through a variety of debt charities. For more information, we recommend you visit

The Debt Advisor is Authorised and regulated by The Financial Conduct Authority (reg no: 606669).