PUBLICATIONS Reports that make an impact

Impact Report 2023

Celebrating our achievements in 2023 and looking ahead to the coming year.

Access to debt advice

The needs of people with serious mental health problems.

Always on your mind

Preventing persistent money and mental health problems.

No place like home

Supporting people with mental health problems in mortgage difficulty.

Debts and despair

How debt collection practices contribute to psychological harm.

Too much information?

Exploring opportunities and challenges presented by vulnerability data-sharing.

Breaking the cycle

The case for integrating money and mental health support during the cost of living crisis.

The pensions maze

Achieving better retirements for people with mental health problems.

Annual Impact Report 2022

Our achievements in 2022 and look ahead to our work for the coming year.

Through the lens: Ethnicity, money and mental health

Exploring how our ethnicity can interact with our money and mental health.

Untapped potential

Reducing economic inactivity among people with mental health problems.

Written off?

Making insurance work better for people with mental health problems.

Through the lens: Age, money and mental health

Exploring how our age can interact with our money and mental health.

Bombarded

Reducing the psychological harm caused by the cost of living crisis.

Through the lens: Gender, money and mental health

Exploring how our gender can interact with our money and mental health.

A fit-for-purpose managed migration process

Safeguarding claimants with mental health problems in the move to Universal Credit.

No One Left Behind

Making levelling up deliver for people with mental health problems.

A tale of two crises: the cost of living and mental health

Revealing the devastating impact of the cost of living crisis on people with mental health problems.

Annual Impact Report 2021

Our Annual Impact Report highlights the achievements we’ve had in the past year and outlines the work ahead.

Not a Secondary Issue

Examining the extent to which people in secondary mental health care face financial difficulty.

Time to Act

Exploring the legal duties that essential services firms have to people with mental health problems under the Equality Act.

Raising the stakes: Overcoming barriers to tackling gambling-related harm

Setting out how financial services firms can overcome barriers to tackling gambling-related harm.

Recommissioning debt advice services: meeting the needs of people with mental health problems

Making the case for the Money and Pensions Service to protect face-to-face debt advice.

The state we’re in: Money and mental health in a time of crisis

A state-of-the-nation snapshot of the financial and mental wellbeing of people across the UK during the pandemic.

Lifting the tax burden: Supporting people with mental health problems with council tax

Highlighting the support people with mental health problems need to pay council tax.

Safety first: Why the Online Safety Bill should tackle scam adverts

Setting out why the Online Safety Bill must tackle online scam ads.

Annual Impact Report 2020/2021

Celebrating our impact in 2020/2021.

Set up to fail

How the DWP can make it easier for people to get help with Universal Credit.

Safety net

Breaking the link between online financial harms and mental health problems.

Closing the gap

How government and employers can close the mental health income gap

Caught in the web

Exploring the link between experience of mental health problems and online scams.

Convenience at a cost

How online retailers are putting people with mental health problems at risk of financial harm.

Mind the Income gap

Exploring the long term factors which have lead to the mental health income gap.

Annual Review 2019/20

Our Annual Review sets out our research and policy achievements of 2019/20.

Help along the way

Exploring the challenges that people with mental health problems face when accessing free debt advice.

A safer bet

Exploring the link between online gambling and mental health.

Income in crisis

Exploring the link between income and mental health during Covid-19.

Money and mental health at a time of crisis

How the Covid-19 pandemic has impacted the finances of people with mental health problems.

Information is power

Preventing financial difficulties associated with mental health problems.

Failing to connect: mental health problems and telecoms

Exploring the challenges people with mental health problems face in the telecomms market.

The money and mental health manifesto 2019

Five ways to boost mental and financial wellbeing across the UK.

Data protecting

Using financial data to support customers.

Annual Review 2018/19

Our Annual Review sets out our research and policy achievements of 2018/19.

A little help from my friends

Tools to support financial decision-making for people with mental health problems.

Debt and mental health

Analysing the latest data on the links between debt and mental health problems.

The benefits assault course

Improving access to the benefits system for people with mental health problems.

Breathing Space

Drawing on the views of our Research Community to assess how Breathing Space debt respite for people in mental health crisis care could work.

Access to cash

Exploring people with mental health problem’s attitudes to cash.

A silent killer

Breaking the link between financial difficulty and suicide.

Returns policies

How retailers can make the returns process more accessible.

Vulnerability: the experience of debt advisers

Supporting debt advice clients in vulnerable situations

Too ill to work, too broke not to

The cost of sickness absence for people with mental health problems

Travel insurance

Exploring people with mental health problems access to travel insurance.

Access essentials

Giving people with mental health problems equal access to vital services.

Annual Review 2017/18

Highlighting our achievements in 2017/2018.

Fear and foul play – Bailiff reform

Making the case for bailiff reform.

Informal borrowing and mental health problems

Exploring people with mental health problems’ experience of informal borrowing.

Where the heart is

Exploring people with mental health problems’ experience of social housing and rent arrears.

Recovery space

Minimising financial harm caused by mental health crisis.

Levelling the playing field

How regulators can support consumers with mental health problems.

Gambling

Exploring the links between mental health problems and gambling.

Whose job is it anyway?

How mental health practitioners can help people to navigate financial difficulty.

The Shopper Stopper

An evaluation of Shopper stopper, the tool designed with Plexus to help give people control over their spending.

Fintech for good

How financial technology can support people with mental health problems. Katie Evans, Head of Policy [...]

2016/17 Annual review

Our first annual review, assessing our aims and achievements in 2016/17.

Overstretched, overdrawn, underserved

Financial difficulty and mental health at work.

Point of sale credit

Exploring ‘buy now, pay later’ retail credit and why this may cause financial difficulties for people with mental health problems.

The money and mental health manifesto

Setting out our recommendations on how the next government can deliver on breaking the link between financial difficulty and mental health problems, ahead of the 2017 General Election.

Subscription retail: an expensive trap

Exploring how consumers with mental health problems can be protected from the subscription retail ‘trap’.

Running out of energy

Exploring adjustments that could be made by the energy market to ensure that people with mental health problems are not disadvantaged as consumers.

Seeing through the fog

How mental health problems affect financial capability.

Responsible retail

How retailers can help consumers with mental help problems to control ‘crisis spending’.

The other one in four

How financial difficulty is neglected in mental health services.

Strength in numbers

Exploring issues with third party access to financial services, and how allowing carers access may be beneficial for people with financial problems and poor mental health.

Busting the banks open

Setting out the case for a major data study of financial difficulty ahead of the Open Banking launch in 2018.

Night-time shopping

Highlighting the growing problem of the online retail environment for people with mental health problems, especially noting night-time shopping and targeted advertisements.

The missing link

How access to debt advice alongside IAPT could double recovery rates for people with depression and problem debt.

In control

Exploring the psychological drivers of increased spending during periods of poor mental health and exploring a range of possible solutions.

Money on your mind

Analysing the toxic link between financial difficulty and mental health problems.