I'm feeling suicidal / I'm worried about someone who might be suicidal.
If you can't find what you're looking for here or in our Index, or have any questions please email us. The Occupational Health team can also help you with expert confidential advice and support.
Spectrum Life is our Employee Assistance Programme (EAP) which is a confidential, neutral service provided by an external company to support colleagues at the University, including free counselling.
Financial Wellbeing Toolkit
"Financial Wellbeing is about feeling secure and in control. It is knowing that you can pay the bills today, can deal with the unexpected, and are on track for a healthy financial future." - Money and Pensions Service
We have gathered a variety of support resources below to help you look after your financial wellbeing.
StepChange Debt Charity is the UK’s leading debt advice charity. They help hundreds of thousands of people each year deal with their money worries with free, impartial and non-judgmental advice. To explore the support they offer see our below 'help with money worries including debt' section.
On 23rd January 2023, Tom Williams from StepChange held a webinar via Microsoft Teams covering non-judgmental advice and support surrounding money worries and budgeting. To watch the recording please click HERE.
MoneyHelper provides free advice and tools to help you manage your finances and pension and deal with money problems (provided by the Money and Pensions Service). Paul Fox from this organisation hosted a webinar about financial wellbeing. Here is the recording. To explore the support they offer see our below 'getting proactive about your finances' section.
- Budget Planner Tool: This free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It’s already helped hundreds of thousands of people.
- Couch to Financial Fitness: Would you like to feel more in control of your finances? Try their free and flexible ten-week plan to help you build your confidence in managing your money. Develop core saving muscles, and create better habits for a long-term cash secure future.
- Budgeting and managing your money: Advice on running a bank account, planning your finances, and cutting costs.
- Help with scams: Advice for spotting, avoiding and recovering from scams.
See 'your pension' section for specific support about getting proactive about your pension.
Here are a few websites that can help you proactively look at your finances during the cost of living crisis and beyond:
- Energy Saving Trust provides a variety of energy saving tips.
- Love Food Hate Waste provides food saving tips, helping to look after your money and the environment.
- Explore the Citizen's Advice budgeting tool to help you understand what you’re earning and spending and where you might be able to cut costs.
- StepChange provides free, impartial and non-judgmental advice. Visit their website or call them on 0800 138 1111 (Mon-Fri 8am-8pm/ Sat 8am-4pm) to take the first step towards taking back control of your finances. They also have a range of web resources you can explore including:
- A debt library for everything you need to know about debt.
- Breathing Space information pages: to explain how the 60-day statutory Breathing Space scheme works and whether you could be eligible.
- Life changes guide: to help you if you have experienced financial difficulty due to a change such as bereavement, long term illness, divorce or separation, or job loss.
- Emergency funding: to give details of where to get help now and over the longer term if you've had cash crisis.
- A guide to paying off a persistent debt: to provide help building a budget.
- Debt stress guide: to help you deal with the stress debt causes.
- Cost of living crisis pages: to provide support dealing with bills, emergency funding and dealing with the rising cost of living.
- Spectrum Life is our Employee Assistance Programme (EAP) which is a confidential, neutral service provided by an external company to support colleagues at the University. Two of the support offerings they provide include financial and legal advice.
- Find a free debt advisor with MoneyHelper, either in person, online or over the phone.
- MoneyHelper also offer a variety of 'money troubles' support including dealing with debt, managing your money in uncertain times and scams.
- National Debtline provides free and independent debt advice over the phone and online.
- The NHS Web Pages have information and advice on coping with financial worries.
- Turn2us is a national charity providing practical help to people who are struggling financially, including a helpline.
- The Citizens Advice Bureau has advice and resources to help with financial matters, including debt.
- The charity Mind has a money and mental health section on its website, which includes advice on how to manage debt. Mind also did a great feature called 'cost of living crisis' recently.
- Mental Health & Money Advice offers information and advice for anyone struggling with money because of mental illness, or whose financial situation is affecting their mental health.
- The Pay and Benefits Office provides advice regarding the pension schemes operated by the University. Learn more about your pension here.
- MoneyHelper provides a host of support with your pension. They also provide free, impartial, specialist support on the phone (0800 011 3797) or via live chat here. If you're aged 50 or over and have a defined contribution pension pot, you can get free guidance from Pension Wise. Pension Wise is a government-backed service that helps you understand how you can take money from your pension pot. Book your Pension Wise appointment with MoneyHelper here.
- Check your State Pension forecast on Gov.UK's website.
- Citizen's Advice provide a variety of pension support including types of pension, pension income drawdown and preparing your finances for retirement.
- The University of Exeter's financial benefits and discounts include Edenred (our new benefits platform), salary exchange schemes, Totum pro card, staff sports centre membership reduction and other discounts.
- If you have any queries about these benefits and discounts please contact Pay and Benefits at firstname.lastname@example.org.
- GamCare GamCare offers free information, support and counselling for problem gamblers in the UK. It runs the National Gambling Helpline (0808 8020 133) and also offers face-to-face counselling.
- The National Centre for Behavioural Addictions includes the National Problem Gambling Clinic (including the Young Persons' Problem Gambling Clinic) and the National Centre for Gaming Disorders.
- If you live in England or Wales, are aged 16 or over and have complex problems related to gambling, you can refer yourself to the National Problem Gambling Clinic. See if you meet the criteria for this service.
- Gordon Moody Association The Gordon Moody Association offers residential courses for men and women who have problems with gambling – email email@example.com or call 01384 241292 to find out more. It also runs the Gambling Therapy website, which offers online support to problem gamblers and their friends and family.
- Gamblers Anonymous UK Gamblers Anonymous UK runs local support groups that use the same 12-step approach to recovery from addiction as Alcoholics Anonymous. There are also GamAnon support groups for friends and family.
There is a significant link between money and mental health as each factor can really affect the other. For example being in debt can make you feel very anxious and if you are already experiencing depression you may lack motivation to manage your finances. To explore this link further do visit this webpage created by the mental health charity Mind.
Read stories shared by your colleagues about their experience of finances here.