Two people talking at a table with thought bubbles about bills, money, and support.

For Wellbeing Leads and MHFAs

You are already doing valuable work. Yet when someone is struggling with financial stress, your aiders may feel a little out of their depth.

Financial wellbeing and mental wellbeing are closely connected. When money is contributing to someone's distress, listening and basic signposting may not always provide the practical next step they need.

Money Beam helps organisations build on the wellbeing support already in place—adding practical financial wellbeing skills, clear boundaries and trusted routes to further help.

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Financial pressure deserves focused attention

5.5 times

People experiencing persistent financial difficulty were 5.5 times more likely to experience a mental health problem than people who reported no financial difficulty.

The most common cause of anxiety

Being able to afford household bills was the most commonly reported cause of anxiety, cited by 32% of UK adults. Debt was cited by a further 20%.

36% of UK adults

In 2024, 7.3 million UK adults needed debt advice and another 11.7 million were at risk of needing it—equivalent to 36% of the adult population.

Strengthen the valuable support already in place

Two factory workers arguing near a spilled cup in an industrial workshop

The distress may be visible. The financial pressure may not be.

An employee may present with anxiety, poor sleep, withdrawal, reduced confidence or difficulty concentrating. A trusted colleague may recognise that something is wrong without knowing that money is contributing to it.

The opportunity: Giving financial wellbeing focused attention can help the organisation recognise and respond to an important source of employee distress.

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Your trusted people want to help—but need clear boundaries.

Mental Health First Aiders, wellbeing champions and other trusted roles may listen carefully and offer initial support. But conversations involving debt, bills, financial decisions or money-related shame can feel different.

They should not be expected to become financial advisers or resolve the employee's financial situation.

The opportunity: Financial Wellbeing First Aider training gives trusted roles practical knowledge, appropriate boundaries and greater confidence about what they can do and where further support is available.

Business team in a meeting around a conference table with a laptop and notebooks

Money can still be difficult to talk about.

Many organisations have made meaningful progress in encouraging conversations about mental health. Money can remain more private, complex and difficult to disclose.

Employees may worry about judgement, confidentiality or how speaking openly could affect how they are viewed at work.

The opportunity: Demystifying money and creating safer conversations can help employees seek support earlier, before financial pressure becomes harder to manage.

Recognise. Respond. Reach.

RECOGNISE

Treat financial wellbeing as a special case within employee wellbeing—because reducing financial distress can tangibly improve how people feel, cope and function.

RESPOND

Train trusted workplace roles as Financial Wellbeing First Aiders, so financial concerns can be recognised and acted on earlier, conversations can be handled safely and money problems are less likely to escalate.

REACH

Demystify money and help create a culture where employees feel as safe talking about financial pressure as they increasingly do about mental health.

Financial Wellbeing First Aider can connect support from the top down and the bottom up

For Wellbeing Leads, financial wellbeing training provides a focused way to strengthen the organisation's wider wellbeing approach.

For Mental Health First Aiders and other trusted roles, it provides practical skills for recognising and supporting a colleague experiencing financial pressure, holding appropriate conversations and helping colleagues reach suitable specialist support.

Together, this creates a clearer connection between organisational intention and the support employees experience when they need it.

Build on the trust already there

Financial Wellbeing First Aider training equips trusted workplace roles to:

Recognise signs that something isn't quite right

Recognise, respect and be non-judgemental

Begin the conversation

Begin a respectful, psychologically safe and appropriate conversation that results in safe and timely action.

Understand role boundaries

Know what Financial Wellbeing First Aiders can and cannot do.

Provide practical guidance and support

Provide informed, evidence based practical support, guidance and assured signposting.

Reach the right specialist help

Help employees access Financial Coaching and Guidance or suitable specialist advice services.

Complement existing provision

Complement the organisation's existing mental health and wellbeing provision.

Financial Wellbeing First Aiders do not provide regulated financial advice or take responsibility for resolving an employee's financial circumstances.

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Strengthen the wellbeing support your people already trust.

Add practical financial wellbeing skills and clearer support pathways to the valuable work already taking place across your organisation.

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Free resource

A practical resource for Wellbeing Leads and Mental Health First Aiders

A concise downloadable resource exploring the relationship between financial and mental wellbeing and where financial wellbeing may strengthen existing workplace support.

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The training was incredibly valuable and well-structured. It provided practical insights and tools that I can apply immediately in my role. I especially appreciated the clear explanations and real-life examples, which made the content easy to understand and engaging. I feel much more confident in my knowledge and ability to support others as a result.
Gary Eydmann
Mental Health First Aider
Armed Forces Mutual