Clutterbuck, Donna https://orcid.org/0000-0001-5622-3076
Sood, Monica https://orcid.org/0000-0003-3242-7925
Alwan, Nisreen A. https://orcid.org/0000-0002-4134-8463
Smith, Dianna https://orcid.org/0000-0002-0650-6606
Richardson, Thomas https://orcid.org/0000-0002-5357-4281
Funding for this research was provided by:
NIHR ARC Wessex (MY BILLS)
Article History
Received: 24 March 2025
Accepted: 19 March 2026
First Online: 25 April 2026
Declarations
Patient and Public Involvement: Patient and public representatives helped with the design of these interview guide.
Conflict of interest: DS, DC, MS & NA have no conflicts of interest to declare. TR wrote and receives royalties from the use of ‘Space from Money Worries’, an online CBT programme provided by Silvercloud health/Amwell, which is mentioned in these interviews. TR is also an advisor for ‘TellJo’ a company which identifies and supports financially vulnerable customers.