08/12/2025
The cost-of-living crisis is no longer just about dollars — it’s about mental health.
Across Australia, rising rents, mortgage stress, escalating grocery prices and utility bills are placing unprecedented pressure on individuals and families 💸🏠. What is increasingly visible in counselling rooms, workplaces and communities is the emotional toll this financial strain is taking — heightened anxiety, depression, relationship breakdown, substance use, and a deep sense of hopelessness.
Financial stress and mental health are inseparable. When people are worried about keeping a roof over their heads or feeding their families, psychological safety disappears. Chronic stress keeps nervous systems in survival mode, making it harder to sleep, think clearly, parent effectively or maintain employment. For many, this is no longer a short-term challenge — it’s becoming a sustained state of distress 🧠⚠️.
What is most concerning is that those under the greatest financial pressure are often the least able to access mental health support. Rising out-of-pocket costs mean counselling becomes a luxury rather than a lifeline. People delay care, withdraw, and deteriorate — not because they don’t want help, but because they simply cannot afford it.
So we must ask the uncomfortable question: where is the meaningful government response?
Where are the structural solutions that address housing insecurity, income stress, and access to affordable mental health care? Band-aid policies and short-term funding announcements are not enough. This is a systemic crisis requiring long-term, coordinated action.
Mental health does not exist in a vacuum. If we are serious about wellbeing, we must address the social and economic conditions driving distress — not just treat the symptoms.
💬 I invite conversation:
How are you seeing cost-of-living pressures affect mental health in your work, family, or community? What do you believe governments must do now?
SocialDeterminants HousingCrisis Wellbeing PolicyReform CommunityCare