If you’ve recently become ill – physically or mentally, your finances may be one of the last things on your mind. But losing some or all of your income because of this could see debts start to mount up – and that’s something you really don’t need when you’re learning to come to terms with an illness or trying to recover.

The good news is there are lots of things you can do to avoid going into debt when you can’t work because of long-term illness. There’s strong evidence that being in debt can cause stress, anxiety and depression. So doing something about it sooner rather than later could help make you feel that little bit better.

The following help-sheet can give you a step by step guide on what to do, useful advice on how to manage your money and other experts you might want to consider contacting for advice.