It starts with something small when it comes to avoiding money problems.
You missed one bill. You forgot to check your account. You leave a letter unopened on the kitchen table. At first, it doesn’t feel like a big deal.
But over time, those little things can turn into big stress, like a snowball rolling downhill, getting bigger and heavier until it feels like it might crush you.
At IE Hub, we understand how scary it can feel to face money problems.
If you’ve been avoiding your finances, you’re not alone, and there is a gentle way forward.
Why do we avoid money problems?
Avoiding money doesn’t make you lazy or irresponsible. It’s a normal response to stress.
When money is tight, it’s common to feel:
- Ashamed
- Embarrassed
- Afraid to see the full picture
- Hopeless that anything can change
Our brain sees this stress as a threat and tries to protect us by helping us not think about it. This is called avoidance, and it’s very common. To find out more about how we handle money stress, check out our Fight, Flight or Freeze blog.
How small problems can build up
Ignoring money issues might help you feel better in the moment, but it can cause:
- Extra fees and charges
- Missed deadlines
- Damaged credit scores
- More contact from creditors
- More anxiety and less control
Think of it like avoiding going to the dentist. The longer you leave it, the worse the pain gets, and the more work needs to be done.
But here’s the good news: the earlier you take a step, the easier it becomes to get back on track.
Gently facing up to your finances
You don’t have to fix everything at once. Here’s how to start, one step at a time:
1. Start with something small
Pick one thing. Maybe:
- Open one letter
- Check your bank balance
- Make a list of what you owe (even if it’s rough)
That one step is enough for today.
2. Use helpful tools
At IE Hub, we’ve made it easier to face your finances:
- You can build your budget in your own time
- See what help or benefits you might be entitled to
- Share your financial details with companies – no phone calls needed
No judgement. Just a calm, private way to take back control.
3. Talk to someone you trust
You don’t have to go through it alone. You could speak to:
- A support worker
- A friend or family member
- A debt charity like StepChange or National Debtline
Talking about it can make it feel smaller.
Why now is the best time to start
The longer money is ignored, the more power it has over you. But even one small action can stop that snowball from growing.
You don’t have to solve everything today.
But opening one letter, checking one account, or logging into IE Hub could be the start of something better.
Useful support links
Final thought
Avoiding money problems doesn’t mean you don’t care. It means you’re human, and maybe just trying to protect yourself.
But the best protection is action, even if it’s just a tiny one.
At IE Hub, we’ll be here when you’re ready. No pressure. No judgement.
Just the tools and support to help you move forward, one step at a time.
