By Sarah Williams

We should always monitor our mental health and take a moment to assess how we are feeling. But sometimes, work, family and life commitments get in the way, and we put our thoughts and feelings on the back burner. The New Year is a perfect time to become more aware of your mental health.

There is no doubt we are living in uncertain and unsettling times, with the interest rate rises and the current cost of living crisis. Rising energy bills and mortgage rates are causing additional stress and anxiety for many individuals and families as it becomes harder to maintain finances. Even in the best of times, we can neglect our mental health and become overwhelmed. So, it is not surprising many are reaching burn out after the unsteady events of the last two years.

Tips for taking care of your wellbeing

It is not always easy to care for your wellbeing, but you may find these tips helpful.

Find ways to relax and reduce stress
Everyone is different, but find what helps you relax and take time to fit it into your day. Whether it is a walk around the block, reading a book or having a bath, take time for yourself.

Exercise
Exercising releases hormones that can help your mental health. Try and exercise as often as you can, even if it is only for a few minutes a day.

Practice good sleep habits
Sleep is essential to our wellbeing. Practice healthy sleeping habits: switching off your phone and computer an hour before you want to sleep, avoiding caffeine and setting a bedtime can all help.

Talk
Speak to someone you trust about how you are feeling.

Ask for help
The NHS website provides information on the mental health services available and further guidance.

Protecting your finances

1 in 4 adults in the United Kingdom experience some form of mental health issue at some point in their lives. So, what happens when you need to take time out? How can you protect your mind and your finances? If you do, like many of us, need to take a break to focus on your wellbeing, Income protection is an excellent option to protect your finances.

Income protection insurance can offer security and stability when you need time off work to care for your mind. Mental health issues are one of the leading causes for absence from work, an estimated 19% of all long-term sickness absences in England are attributed to mental health conditions. Without any other option, workers may fear they cannot afford to take time off work, and this can lead to the worsening of already present mental health concerns. Protecting your income ensures you can have time off work without having to worry about your daily expenditure. Regular payments can ease the pressure of being unable to work until you are well. The income received from your policy is tax-free and can be a lifeline to many, providing the time you need to reset and feel like yourself again.

If you would like to discuss your income protection options, contact one of our advisors today.