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Finance, debt and your mental health

Depression - Finance, debt and your mental health

Money and mental health problems are too regularly linked. One of the main sources of worry in today’s society is making the money we need to live.

Providing for yourself or your family can be a huge source of worry, leading to stress and anxiety that in turn can develop into bigger problems such as depression or panic attacks. An often seen problem from the effect that your finances can have on your mental health is also how poor mental health can have an equally negative effect on your finances.

The two-way problem

Poor mental health causes all kinds of problems in sufferers with money management. This will often lead to debt that can take a great deal of effort and control to manage properly in order to reduce or remove the debt completely.

Try not to let the problem escalate

One of the main difficulties with problems of finance and mental health is to try and manage the problem before it gets out of hand. Budgeting advice and money management is available from many agencies.

If it does escalate into a serious problem companies such as Creditfix can help guide you through the various options of how to manage your debt and become financially healthy again. Removing this anxiety from your life can provide a large source of reassurance in times where other issues are causing much stress.

Time off work

One of the biggest issues regarding the sufferer’s income is not being able to work. When a mental health problem takes hold this will often mean that the affected person cannot manage the responsibility of his or her day-to-day role. When simply getting out of bed to face the world becomes a problem for sufferers of depression, bi-polar, anxiety, borderline personality disorder and a variety of other conditions, then getting to work, dealing with colleagues, making important decisions and being able to concentrate properly and apply themselves without distraction or difficulty can often seem impossible.

Earning the money they need to survive then becomes a major problem and it’s not just the sufferer that feels the financial implications of their problem. It’s their families, their employers and the economy.

According to the Centre for Mental Health mental health problems cost UK employers £35 billion in 2017. Absence due to sickness was reported to have cost £10.6 billion, staff turnover £3.1 billion and the cost of reduced productivity amassed to a whopping £21.2 billion. It was noted that at any one time one in five workers would be suffering a mental health difficulty affecting their work performance in reduced productivity.

The figures for sickness and staff turnover showed just how many people in the UK were taking time off or leaving employment to try better manage the mental health issue that ailed them.

Manic decisions

Conditions such as bi-polar disorder, borderline personality disorder and schizoaffective disorder all include behavioural changes and mood swings.

In the effect of a mania or hypomania it’s easy for the sufferer to make impulsive decisions spending money they can’t afford to that may make sense at the time but when that period has dissipated the spending and the debt it could leave behind is still very real and must be dealt with. This increased debt will lead to lower moods, problematic emotional states and inevitably further exacerbated problems from the original condition.

Impulse spending

We can often make the mistake of trying to spend our way out of a disorder that affects our emotional state and our mood. A temporary high from what has become known as retail therapy rarely lasts and will more often add to the problem than alleviate it.

A condition such as ADHD is associated with hyperactivity and acting on impulse. It would be easy for someone with the condition to make hasty buying choices. Even those suffering depression or other mood lowering disorder will find it hard to resist simple ways of trying to lift their mood to retain a normal feeling of functionality.


High levels of anxiety can prevent you from performing basic tasks of money management. Organising payment of bills and other financial commitments can be allowed to fall behind when it seems impossible to pick up the phone or go to the bank. Even handling mail and opening post is often too big a task for many people to face. Falling behind with payments is another way into a debt problem that could have been easily managed when acting in a usual good state of mental health.

Unwanted employment situation

When we start to slide into debt we’re often forced to take on a job we don’t want to, that we don’t or won’t enjoy simply to pay the bills and keep our finances under control. An unhappy work situation can gradually chip away at our mood leading to deeper problems resulting in depression. Once on that slope to poor mental health the poor financial decisions are more likely to take effect and start that spiral of poor mental health feeding poor financial health and vice versa.


Emotional disorders sap the very strength from their sufferers. Without the motivation to get up and go to work it is also unlikely that they will have the motivation to organise their finances or even care what state their financial situation is in. Again, it’s one more event that can lead to the debt spiral, which by feeding itself, will create an out of control situation.


Times of great anxiety and emotional discord put a great deal of stress on relationships. The partner of a sufferer may have to step into the role of providing for both and any children they may have in order to keep their budget healthy through those problematic times. The knock on effect into both of the partners’ social lives removes elements of the healthy activities that can combat poor mental health. Disagreements and tension will only add to the problem that in turn can put an even greater stress on how to handle joint budget issues.

What can you do to help yourself?

There are many methods of getting to the root of the problem; you need to understand your behaviour by either talking to a health care professional or seeking medical or psychological help. You should also take good physical care of yourself by eating the right diet and taking regular exercise.

To make sure that debt doesn’t add further to your problems however, you must organise your budget by seeking appropriate financial advice. Keeping your mental health in order can be appeased by keeping your physical health in check, and as we’ve seen the negative impact it can take you should take as many steps as you can to look after your financial health too.

Here are 5 tips on using homeopathy

featured5 - Here are 5 tips on using homeopathy

If you have been keenly following our posts then by know you understand that homeopathy is essentially a natural form of treatment that works through stimulating the body’s self-healing properties. To better appreciate and maximize on this form of treatment therapy and reap its full health benefits there are some valuable tips you should know.

We look at 5 tips on using homeopathy.

Tip 1: Homeopathy can be used alongside conventional medicine

Studies have revealed that homeopathy and conventional medicine work well together in fighting ailments. These methods have proven to complement each other well in controlling illnesses such as diabetes, as a pre and post-surgery medication, and so on. This is partly the reason why homeopathy is an officially recognized form of treatment in a number or Asian and European countries.

Tip 2: Homeopathy does not come with diet restrictions

Unlike other conventional treatment remedies that will at times impose diet restrictions in order to ensure the medication is fully effective, homeopathy does not come with such restrictions. Because the goal of homeopathy is to ensure that the medication is absorbed as fast as possible and free of contaminants, the restriction will not be on the patient’s diet but rather on the timing. For instance, in some case you may be required to take your medication a couple of minutes before or after a meal.

Tip 3: Homeopathic medicines are derived from thousands of sources

The fact that homeopathy relies on natural products from plants, animals and minerals, there are thousands of sourceswhere the medicines can be derived from. According to current records, there are over 4,000 medicines being used in homeopathic practice and each is made from over 3,000 plant, animal and mineral sources.

Tip 4: Homeopathy is based on evidence

Unlike what critics suggest, homeopathy is actually an evidence based treatment which has been backed by hundreds of research studies that have been published which demonstrate the success stories of homeopathy. Some of these success stories have been reported even in chronic illnesses that have proven challenging to conventional medicine.

Tip 5: Homeopathic medication acts quickly

There is evidence to suggest that homeopathic treatment therapies work just as fast as conventional medicine and in some cases even works faster. The speed at which the treatment will work will of course depend on a number of factors such as the nature of the illness, other treatments sought by the patient as well as the pathology of the disease.

We trust that you are now much more informed about homeopathic therapies.

Health – 5 things you must know before using homeopathic therapies

featured4 - Health - 5 things you must know before using homeopathic therapies

We have broadly covered the topic of homeopathy over the past series of articles and we feel it’s about time we got into some more technical detail about this form of treatment therapy. After all, we promised to ensure that we give you sufficient health information to ensure you are better placed to make more informed decisions. We’ll do our best to keep it simple.

Here are 5 things you must know before using homeopathic therapies.

#1 Understand how homeopathy works

Homeopathy was discovered back in the 18thcentury and it works by introducing into the body microscopic concentrations of natural substances from plants, animals or minerals which are meant to help stimulate the self-healing of the body. It works by triggering the body’s natural responses for pain alleviation, relief of symptoms, self-restoration and overall improve health.

#2 Know whether there are any possible side effects

As things stand, there are no known side effects of homeopathic treatment remedies. This is mostly because they often use small concentrations of natural substances which by the time they are introduced into the body, have become so diluted only leaving behind the healing properties. Because of this, no substances are left behind that are enough to cause the body to react to them and this therefore eliminates the possibilities of side effects.

#3 Every label in a homeopathic remedy means something

Just like any other medication, homeopathic remedies have labels which represent a meaning. These labels will often constitute Latin names followed by numbers and letters. What they basically represent is the number of times a particular natural substance that makes up the treatment therapy has been diluted. These substances are often diluted in a solution which is a mixture of water and alcohol then it’s vigorously shaken.

#4The treatment is delivered in different ways

Depending on the ailment to be treated, homeopathic remedies will be in different forms not limited to tablets, liquid, sprays, ointments or drops. The different delivery systems are meant to increase the effectiveness of the treatment through increasing its ability to be absorbed into the body free of any contaminants. The delivery system will also depend on who is being treated for instance for children, it’s always preferential to use creams, sprays or syrups because they are much easier to administer.

#5You should only work with a brand you trust

Just like any other product, you must be able to ascertain quality before using it. This applies to homeopathic treatments as well. It’s important for you to only work with brands that you have done your due diligence on and verified to be legit. There are many people out there who will attempt to take advantage of the fact that many people don’t know how to identify real treatments from placebos, therefore it’s upon you to do your research and identify legit brands.

With this knowledge in mind, you are well on your way to making your entry into homeopathic treatment remedies like a pro.

info2 - Health - 5 things you must know before using homeopathic therapies

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5 notable facts about homeopathy

featured3 - 5 notable facts about homeopathy

If you are new at homeopathy or curious about this natural treatment remedy then it’s important for you to familiarize yourself with the facts as this will enable you make proper and more informed judgment calls. After all, if you are here, you are probably looking at trying out one of these remedies either for yourself or someone you know.

Here are 5 notable facts that you need to know about homeopathy and we trust that they will help you enhance your decision making.

Homeopathy is not a placebo

1 - 5 notable facts about homeopathy

Homeopathy treatment remedies have proven to be effective in babies and young children, and adults, as well as in animals, and this therefore demonstrates that it’s not a placebo. The fact that in most cases the patient doesn’t know exactly what medication they are taking helps discredit the placebo argument.

Homeopathy is very cost effective

2 - 5 notable facts about homeopathy

Statistics have indicated that homeopathy treatment remedies are over 60 per cent cheaper than conventional medication, and some patients even suggest that these remedies are more effective. This means that they can help both individuals and families to cut down on their health expenditure.

Homeopathy is not a fad

3 - 5 notable facts about homeopathy

Many critics have suggested that homeopathy is just a fad because of the heavily marketed natural approach to medicine but this can’t be further from the truth. The fact is that homeopathy has been around for over 200 years and is therefore likely to be around for the next foreseeable future. In fact, it has been a very integral part of health systems in major European economies such as Italy, Germany and France.

Homeopathy has been proven to be safe

4 - 5 notable facts about homeopathy

The practice of homeopathy has proven to be very safe with very minimal side effects, in addition to the fact that patients can rely on it even if they are using conventional medicine at the same time. In fact, it’s much safer than conventional medicine which is responsible for thousands of deaths annually as a direct result of adverse reactions to medication.

Homeopathy treatments are evidence based

5 - 5 notable facts about homeopathy

We tackled this point in our previous article where we highlighted some of the studies that have proven the effectiveness of homeopathic remedies. This goes to demonstrate that homeopathy is actually an evidence based treatment method.

The beauty about these facts is that they can be verified and this is because homeopathy is a form of treatment that has been around for over 200 years therefore there are multiple documented success stories from both patients and doctors.

All in all it’s very important for you to do your own due diligence so that you can verify fact from fiction and be better placed to make informed choices about your health.

Here are the truths about homeopathy research

featured2 - Here are the truths about homeopathy research

In our previous article, we sought to look at untruths about homeopathy especially claims that this natural treatment regimen is not evidence based. This article is based on actual studies that have demonstrated the effectiveness of homeopathy in various ailments affecting both adults and children.

We take a look at some of the results below.

  1. A study on Lycopodium 30C which is a homeopathic medicine has revealed positive effects on the treatment of high blood pressure and other cardiovascular ailments, reduction of inflammation, improving memory, as well as providing protection against gastric ulcers which are caused by alcohol consumption.
  2. A study on Rhustox 200 which is also a homeopathic remedy proved very effective in the relief of symptoms associated with rheumatoid arthritis such as pain and stiffness of the joints. To be more specific, 82 per cent of the patients tested showed a tremendous improvement.
  3. Homeopathic remedies have also proven to be very effective in treating depression, panic disorders and other social phobias as studies reveal that 58 per cent of the patients tested responded favorably to these individualistically prescribed remedies.
  4. Studies conducted by neurologists on patients suffering from frequent migraines reveal that homeopathy treatments helped significantly reduce these attacks.
  5. The Complementary Therapies in Medicine published a study that was conducted on 118 eczema patients that revealed that homeopathy treatment was an effective approach for both short-term and long-term treatment of eczema.
  6. Homeopathy has also proven very effective in treating sleeping disorders as 63 per cent of the patients tested revealed that they had an increase in their sleep time, as well as reduced interruptions of their sleep. They also registered reduced nervousness and in all this, there were no side-effects.
  7. Homeopathy has also proven to be very effective in treating ADHD in children as studies reveal that 75 per cent of the children exposed to the individualized treatment registered tremendous improvement.

These are just a few of the truths about homeopathic studies which go on to demonstrate that these treatment regimens are effective and deserve serious consideration especially by patients looking for alternative natural medicine.

info1 - Here are the truths about homeopathy research

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Health – 4 untruths about homeopathy

featured1 - Health – 4 untruths about homeopathy

Let’s face it, not everyone is a fun of alternative forms of treatment such as homeopathy and that is a major reason why you will find so many untruths circulating in the internet and other health forums. This article will look at these untruths with the intention of bringing them out to light for the benefit of our readers.

#1 Homeopathy is not evidence based

There are many claims out there that homeopathy is not evidence based. So called independent reviewers keep insisting that the homeopathic remedies provided are mere placebos and don’t have any real therapeutic effects. This is an untruth because homeopathy is based on actual evidence.

#2 Homeopathy is expensive in the long run

Because critics of homeopathy insist that it’s a mere placebo and does not offer actual treatment for illnesses, they say that it will ultimately be expensive because patients will have to resort to conventional healthcare systems therefore forcing them to spend twice in treating the same ailment. This is an untruth because homeopathy actually works.

#3 Homeopathy remedies are not safe

Critics insist that homeopathic remedies are unsafe especially for chronic conditions and it’s the same argument of this treatment regimen being a mere placebo. This is an untruth because if it was in fact a placebo, no one would be using it.

#4 Homeopathic remedies have not progressed since they were discovered

Critics insist that unlike conventional medicine that has seen tremendous progress over the years homeopathic remedies have not registered any progress since they were first formulated. This is an untruth because homeopathic medicine has progressed as homeopaths continue to discover new natural remedies for ailments.

Whether you believe in homeopathy or not, care must be taken to stick to the facts and not unverified opinions. In our subsequent articles, we will deliberately demystify homeopathy and ensure you have all the facts to ensure you can make the best decisions on whether this can be a preferred mode of treatment for you and your loved ones especially if you are looking for a natural alternative to conventional medicine.