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Money avoidance & bill dread

Leaving bills unopened is a very human way to cope with fear. You can turn toward your money gently, one small look at a time.

⏱ 3 min read📑 11 sections📚 20 sources✅ Reviewed October 2026

By the numbers

Avoidance, mental health and money.

Mental health & money

42%of people with mental health problems surveyed in the UK said they put off paying bills while unwell.
41%said they find it difficult or distressing to make phone calls, which can make sorting out bills harder.
3.5×People with mental health problems are three and a half times more likely to be in problem debt (UK).

United States

16%of U.S. adults did not pay all of their bills in the month before they were asked (2025).
~3×People with debt had about three times the odds of a mental health condition, in a review of 65 studies (2013).

What does money avoidance look like?

Unopened mail, unchecked balances and calls that go to voicemail.

The NHS notes that mental health struggles can lead to avoiding or ignoring money issues, like leaving bills unopened or not paying them. It is a common way of coping with fear, not a sign of laziness.

It might look like

  • A growing pile of unopened envelopes
  • Deleting emails from your bank without reading them
  • Feeling sick at the sound of the doorbell or phone
  • Letting calls from unknown numbers go to voicemail
  • Never checking your balance, or checking it again and again
  • Putting off taxes or forms for months
If this sounds like you, you are not alone and you are not broken. Your mind is trying to protect you from something that feels threatening.

Why our minds look away

The “ostrich effect”, shame, overwhelm and old beliefs.

Researchers have a name for this: the “ostrich effect”. In one study, investors checked their accounts more often when markets were rising, and less when markets were flat or falling. People tend to look away from news they expect to be bad.

A wide review found that people often avoid information even when it is useful and free, because of how it might make them feel.

😨 Fear of bad newsNot knowing can feel safer than knowing.
Read more

Looking at a bill makes the problem feel real. Avoiding it brings short-term relief, which is why the habit is so easy to repeat.

The relief fades, and the worry usually comes back stronger. Small, planned looks can break the cycle.
😳 ShameFeeling you “should” have this under control.
Read more

Money problems often bring guilt and shame, and shame makes us want to hide.

The “Shame & self-criticism” guide has ways to be gentler with yourself.
🌪️ OverwhelmWhen there is too much to think about, the mind shuts down.
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Money worries use up mental “bandwidth”. Researchers found that thinking about money problems made it harder to think clearly.

🧳 Old money beliefsMessages from childhood about money being bad or scary.
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Some people learned that money is bad, or that they don’t deserve it. Researchers call this pattern “money avoidance”.

Money beliefs we grow up with

How family messages shape how we face money today.

Researchers studying money beliefs found four common patterns: money avoidance, money worship, money status and money vigilance. Three of the four were linked to people’s income and net worth.

🙈 Money avoidance“Money is bad.” “I don’t deserve it.”
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People with these beliefs may see money as a source of fear, anxiety or disgust. They may avoid even necessary spending, or give money away so they have little to manage.

✨ Money worship“More money would solve all my problems.”
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This pattern includes beliefs like “there will never be enough money”. In the study, it was linked to carrying credit card debt from month to month.

👑 Money status“My self-worth equals my net worth.”
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This pattern ties money to worth and success. It can make money problems feel like a verdict on who you are.

👀 Money vigilance“Money should be saved, not spent, and kept private.”
Read more

This pattern values saving and privacy. In the study, it was linked to not carrying credit card debt. Taken too far, keeping money secret can make it hard to ask for help.

There is hope in the research too. Scores on the money avoidance scale were higher in younger people and fell steadily with age, which suggests these beliefs can change.

The “Money in families & relationships” guide looks at family money messages and how to break old cycles.

When mental health makes money harder

Low mood, anxiety and money tasks often pull on each other.

Money and mental health affect each other in both directions. Money worry can lower mood, and low mood can make it harder to deal with money.

🔋 Low energy daysWhen even opening an envelope feels like too much.
Read more

In UK research, 42% of people with mental health problems said they put off paying bills while unwell.

On hard days, aim for the tiniest step, or simply rest and plan a time to look later.
😟 AnxietyA racing heart at the sight of a bill or a ringing phone.
Read more

About 4 in 10 people with mental health problems find phone calls difficult or distressing.

See “Anxiety: understanding it” for more about how anxiety works.
🛍️ Spending to copeBuying something to feel better for a moment.
Read more

Some people spend more to lift their mood, while others go without basics to save money.

The “Shopping & spending” guide may help if spending has become a way to cope.
⚡ Impulsive choicesDecisions you might not make on a better day.
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Mental health problems can increase impulsivity. In UK research, 38% of people with mental health problems said they took out a loan they otherwise would not have.

What avoiding can cost

A gentle look at why acting sooner helps.

This is not meant to scare you. Knowing what can happen may help you find the reason to take one small step.

📬 Debts don’t disappearIgnoring a valid debt usually doesn’t make it go away.
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The CFPB says ignoring a debt collector usually won’t make them stop. They may find other ways to collect, including filing a lawsuit.

🚪 Fewer options laterSome help is easier to get early.
Read more

For example, U.S. federal student loans go into default after 270 days of missed payments. Calling your servicer before then keeps more options open.

See “Student loan stress” if student loans are part of the pile.
🌑 Worry grows in the darkThe unknown often feels bigger than the real number.
Read more

Getting help early makes it easier to get back on top of things.

It is never too late to start. Lenders, counselors and support services help people who have been avoiding for a long time, every day.

Turning toward money, one tiny step at a time

A gentle ladder, from easiest to hardest.

Facing something we fear in small, planned steps helps the fear shrink over time. Start low on the ladder and only move up when a step feels a bit easier.

An example money ladder

  1. Gather all the envelopes into one box. Don’t open them yet.
  2. Sort them by sender, still unopened.
  3. Open one envelope from the least scary sender.
  4. Write the amount and due date on a list, then stop.
  5. Open the rest, a few at a time, over several days.
  6. Log in and look at your bank balance for one minute.
  7. Make one call or send one message about a bill.

Make each step easier

  • Ask a friend to sit with you
  • Plan a small reward for afterwards
  • Put on calming music
  • Set a timer for 10 minutes and stop when it rings
Use the “My money avoidance ladder” worksheet to build your own steps.

Calming your body before you look

Quick ways to settle your nerves first.

When money worry hits, your body can react as if you are in danger. Calming your body first makes it easier for your thinking brain to take over.

A one-minute reset

  1. Put both feet flat on the floor.
  2. Breathe in slowly through your nose for a count of four.
  3. Breathe out slowly through your mouth for a count of six.
  4. Repeat five times.
  5. Say to yourself: “I’m just looking. Looking is safe.”
The “Money stress & your mind” guide has more ways to care for your mind under money stress.

When calls and letters feel too much

Other ways to deal with bills if phones are hard.

Many people find phone calls about money very stressful. That is common, and there are often other ways to get things done.

✉️ Put it in writingEmail, online chat or letters can feel easier than calls.
Read more

Writing gives you time to think and a record of what was said. With debt collectors, you can also ask them in writing to stop contacting you.

📝 Use a scriptWrite down what you want to say before you call.
Read more

Having the words in front of you can ease the panic of a call.

The “Debt & financial hardship” guide has a call script worksheet for lenders and bills.
🧑‍🤝‍🧑 Bring a helperA friend or counselor can sit with you, or help make the call.
Read more

Talking about money worries with someone you trust can help.

Nonprofit credit counselors can help you understand your bills and options.

How to support someone who avoids money

Kind, practical help without taking over.

If someone you love has a pile of unopened bills, they probably already feel ashamed. Judgment will make them hide more. Warmth makes it easier to start.

Ways to help

  • Offer to sit with them while they open mail
  • Help sort letters into piles without reading them aloud
  • Celebrate each small step
  • Remind them that many people struggle with this
  • Share free help, like a nonprofit credit counselor

Things to avoid

  • Lecturing or saying “why didn’t you just open it?”
  • Taking over completely without asking
  • Sharing their situation with others

When and where to get help

Free money help, and support for your mind.

If avoidance is tied to low mood, anxiety or other mental health struggles, talking with a doctor or counselor can help with both the feelings and the money tasks.

Free help in the U.S.

  • 211: call 211 or visit 211.org for local help with bills, food and housing
  • Nonprofit credit counseling: nfcc.org

If you are struggling emotionally

  • 988 Suicide & Crisis Lifeline: call or text 988, or chat at 988lifeline.org (free, 24/7)
  • Crisis Text Line: text HOME to 741741 (free, 24/7)
  • Outside the U.S.: findahelpline.com lists free helplines in many countries
If money worries have left you feeling hopeless or thinking about ending your life, please reach out now. You deserve support. Call or text 988 in the U.S. If you are in danger, call 911 or your local emergency number.

📝 Worksheets for this guide

Fill these in privately in the app. Your answers stay on your phone.

My money avoidance ladderList money tasks from easiest to hardest. Start at the bottom.
Mail sorting sessionA short, planned session to get through the pile.
What I’m afraid I’ll seeNaming the fear can make it smaller.
After I lookedNotice how it went, so next time feels easier.
🔒 Fill in privately in the Mentally United Wellness App. Free, no ads, no accounts.

Sources

  1. Money and Mental Health Policy Institute (UK charity). Money and mental health facts and statistics
  2. Board of Governors of the Federal Reserve System (2026). Economic Well-Being of U.S. Households in 2025: Fact Sheet
  3. Clinical Psychology Review (peer-reviewed), via PubMed (NIH) (2013). The relationship between personal unsecured debt and mental and physical health: a systematic review and meta-analysis (Richardson, Elliott & Roberts, Clinical Psychology Review)
  4. NHS Every Mind Matters. Money worries and mental health
  5. Journal of Risk and Uncertainty (peer-reviewed) (2009). The ostrich effect: Selective attention to information (Karlsson, Loewenstein & Seppi, Journal of Risk and Uncertainty 38(2): 95–115)
  6. Journal of Economic Literature (peer-reviewed) (2017). Information Avoidance (Golman, Hagmann & Loewenstein, Journal of Economic Literature 55(1): 96–135)
  7. Journal of Financial Therapy (peer-reviewed) (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory (Klontz, Britt, Mentzer & Klontz, Journal of Financial Therapy 2(1))
  8. Science (peer-reviewed); abstract via Rutgers CLIME (2013). Poverty Impedes Cognitive Function (Mani, Mullainathan, Shafir & Zhao)
  9. Consumer Financial Protection Bureau (CFPB). What should I do when a debt collector contacts me?
  10. Federal Student Aid, U.S. Department of Education. Student Loan Default and Collections: FAQs
  11. National Foundation for Credit Counseling (NFCC), nonprofit. National Foundation for Credit Counseling
  12. Office on Women’s Health, U.S. Department of Health and Human Services. Financial abuse
  13. United Way Worldwide. 211: Connecting People to Local Resources
  14. 211.org (United Way Worldwide). Call 211 for Essential Community Services
  15. 988 Suicide & Crisis Lifeline. 988 Suicide & Crisis Lifeline: Get Help
  16. Substance Abuse and Mental Health Services Administration (SAMHSA). 988 Suicide & Crisis Lifeline
  17. Crisis Text Line. Crisis Text Line
  18. Substance Abuse and Mental Health Services Administration (SAMHSA). Crisis Text Line (Behavioral Health Information Series)
  19. Find A Helpline (ThroughLine). Find A Helpline
  20. International Association for Suicide Prevention (IASP). Suicidal Crisis Support

This guide is for education and self-care. It is not a diagnosis or a substitute for professional care. Please talk to a counselor or clinical provider about your health. Reviewed October 2026.

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