‘Blue Monday’ is said to fall on the third Monday of January every year. It is considered to be the most depressing day of the year, factors including the weather, debt, the time elapsed since Christmas, and unsuccessful New Year’s resolutions all cause this date to be regarded as the most depressing day of the year.

With money worries being one of the largest wellbeing challenges facing members of the Police family, it’s important to start talking about money worries before your situation gets worse.  Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances. 

The stress of dealing with financial pressures does not just affect your personal life. It can affect your work, family life, health and relationships. We recognise that sharing your concerns with the people closest to you isn’t always an option.

Taking positive steps to address things that are weighing upon our minds is always important Police Mutual are here to help. We want to break down the stigma surrounding debt and get people talking about money.   We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

Get free and confidential help to combat your debt, call PayPlan on 0800 197 8433.  If you don’t want to talk on the phone, contact them using their online form.

Improve your financial wellbeing with our online tools here

• Budget Calculator
• Financial fitness tool
• Information on managing debt
• Life Planner

Police Mutual Products & Services

Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website at www.policemutual.co.uk

The Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns including emotional support.  To talk to someone please call 0800 028 1708 or take a look at the e-portal –

*PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

Police Mutual is a trading name of Police Mutual Assurance Society Limited (PMAS), PMAS is an incorporated friendly society authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.