The Real Cost of Financial Stress: Standing Together for Better Mental Health in Rural NSW

October is Mental Health Month — a time to connect, start conversations, and share support across rural communities.

This year, Rural Financial Counselling Service NSW Northern Region (RFCSNR) has partnered with the Rural Adversity Mental Health Program (RAMHP) to launch a new fact sheet, The Real Cost of Financial Stress. It highlights how financial pressure and mental health challenges are closely linked, especially for farmers and small business owners.

The Connection Between Finances and Wellbeing

Money worries affect more than the bottom line — they affect lives. Financial stress can lead to anxiety, depression, and strain on relationships. In rural areas, where income depends on weather, markets, and unpredictable events, this pressure can feel constant.

The Real Cost of Financial Stress explains these connections in plain language and shows how early support can help. The key message is simple: you don’t have to face financial or emotional stress alone.

Working Together to Support Communities

RFCSNR counsellors see firsthand how money pressures affect mental wellbeing. At the same time, RAMHP coordinators connect people with local mental health services.

Together, both programs are breaking down stigma, building community understanding, and showing that financial support and mental health care go hand in hand.

Sharing the Facts Across the Region

Over the coming weeks, RFCSNR and RAMHP will distribute the fact sheet through events, networks, and community spaces. You’ll see it in farm offices, small businesses, and local noticeboards — anywhere that conversations about wellbeing can begin.

If you’re facing financial pressure, reach out. RFCSNR offers free, confidential, and independent financial counselling to help you plan, manage change, and regain control.

Together, we can make financial wellbeing part of the mental health conversation — and part of the solution.

Download the Factsheet

Rural and Regional Community Groups, peak agriculture industry associations and online networks are invited and welcome to download and share.
For enquiries about obtaining printed copies please contact us directly on 1800 344 090

If you or someone you know if in immediate danger please call 000 or go to your nearest emergency department

Crisis Support Services

Lifeline | 13 11 14,

NSW Mental Health Line | 1800 011 511

13 YARN Indigenous Crisis Support | 13 92 76

Mensline Australia | 1300 78 99 78

Kids Helpline (to 24 years old) | 1800 55 1800