KEY QUESTIONS:

1. Do you lay awake in bed at night worrying how you’re going to pay your bills?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Tackling your sleep problems

• Try the Moodzone sleep problems audio guide and learn techniques to help get a good night’s sleep.
• Browse the better sleep section for a comprehensive selection of articles and videos that may help.
• Read more about insomnia, its causes, symptoms and treatments.
• Try the Moodzone audio guide to tackling unhelpful thinking and learn techniques to improve the way you think about things.

2. Are you feeling tired or lacking energy because worries about money have got you down?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Feeling tired and lacking energy

• Worry and stress are very common causes of tiredness. Read more about tiredness and get tips on how to combat it.

3. How often do you feel bothered by worry about your debts?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Worry and anxiety

• Long-term worry can be very harmful. Try the Moodzone fight anxiety audio guide and learn techniques to bring it under control.
• Coming up with a plan to organise your finances should help you feel more in control. Try the Moodzone practical problem solving audio guide and start feeling better, today.
• Try the Moodzone low confidence and assertiveness audio guide for tips to help combat feelings of hopelessness.

4. Are you having trouble relaxing because of worries about money?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Relaxation

• Try a few simple relaxation techniques and you should find it easier to relax, leaving you able to manage your worry, better.
• Socialising should help you relax. Evidence shows that connecting with others is really important for our mental wellbeing.

5. Do you feel anxious about answering the phone or opening the post because it might be about your debts?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Managing your anxiety

• Avoiding things can be a sign of anxiety. Learn 10 strategies for overcoming your fears and coping with anxiety.
• An anxiety attack is a sign that your worry is getting out of control. Try the Moodzone anxiety control training audio guide and learn techniques to manage it.
• Learn more about anxiety and worry and learn techniques to manage it with the Moodzone anxiety audio guide.
• Try the Moodzone low confidence and assertiveness audio guide. It’ll help you rebuild your confidence and face your fears.

6. Do you suffer with anxiety or panic attacks when you think about your financial situation?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Anxiety attacks

• An anxiety attack is a sign that your worry is getting out of control. Try the Moodzone anxiety control training audio guide and learn techniques to manage it.
• Try the Moodzone coping with panic audio guide. You’ll learn about the vicious circle, which should help you manage it better.
• Watch a video of Colin who describes how panic attacks affected his life and how therapy helped his recovery.

7. Do you often shop or spend excessively to feel better, but have feelings of guilt or regret afterwards?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Doing things that don’t help

• Consider changing unhelpful behaviours that can backfire later on, and try the “things you do that mess you up” module on Living Life to the Full.

8. Are you drinking more alcohol to help you cope with the stress of debt?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Using alcohol to cope

• Alcohol is often associated with relaxation but the side effects often make us feel worse. Here are 10 stress busters that don’t involve booze.
• Read more about alcohol and its damaging effects.

9. Are you feeling low or tearful when you think about your financial situation?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Feeling emotional

• Feeling tearful can be a sign of low mood or depression. Try the Moodzone audio guide to fighting depression and learn how you can manage it.
• Read about some basic techniques that will help you deal with depression.

10. Are you having negative or unhelpful thoughts about your finances and your situation?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Negative thinking

• Having negative thoughts is not uncommon if you’re anxious or depressed. Try the Moodzone audio guide to tackling unhelpful thinking and change the way you think about things.

11. Do you find you’re irritable, easily annoyed or lose your temper more often, or more quickly, when you get stressed about money?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: Dealing with irritability and anger

• Anger can be a healthy emotion at times, but in times of stress it can mean you overreact to things. Read more about how to control your anger.
• Read more about why some of us can’t control our anger.
• Watch a video on the health and social implications of anger, and how to recognise the signs and manage it.

12. If this questionnaire has highlighted problems, how often have these problems impacted on your day-to-day life? Have they made it difficult for you to do your work, take care of things at home or get along with other people?

A) None of the time (1 point)
B) Some of the time (2 points)
C) All of the time (3 points)

RESULTS HEADER: When worry takes over

• If your money worries are impacting on your life to this degree, it’s time to act. Read more about self-help therapies you can try.
• Read more about accessing free therapy or counselling.
• Learn more about the different types of talking therapy.

RESULTS

EVERY USER TO GET FOLLOWING LINKS TO MAS

• Use the Money Advice Service's budget planner
• Take the Money Health Check
• Read the beginner's guide to managing your money
• Take the Money Advice Service debt test
• Where to go to get free debt advice
• Request a call back from the StepChange debt charity
• Call the National Debtline

POINTS DRIVEN RESULT TEXT

GREEN (0 POINTS)
It's great that you’re not feeling too worried, but the fact you opted to take this test does suggest you have some financial problems. It may be time to address those issues before they get out of control and start impacting on other areas of your life.

AMBER (>1 POINT)
It’s clear that your financial situation is bothering you and affecting your life and the way you feel to some degree. Taking charge and being proactive with your finances will really help you feel better and more in control. In addition, there are lots of ways you can help yourself and start managing the way you’re feeling.

RED (>4 POINTS)
It seems that the worry about your finances is really affecting you. You need to take these problems seriously.

First, you need to address the money problems themselves. Taking charge and being proactive with your finances should help you feel better and more in control. And the good news is that the Money Advice Service is here to help with this.

Second, you need to address how you are coping with these problems and the way you are feeling. There is lots of information available below that should help, but if things are getting out of hand and you feel you can’t cope, try your GP or call Samaritans on 08457 909090.