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3 in 4 of your people are one bad month away from crisis.

We surveyed 500 public sector managers and employees. The findings are stark: financial stress is following your team into work, and almost no one is talking about it.

The report shows what's really happening, and what you can do.

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2.7m

public sector employees say money worries are impacting how they do their job.

What the research found

Financial stress doesn't clock off at the door. It shows up in focus, in productivity, and in the quiet toll on people doing their best with not enough.

1 in 2

employees lose sleep or struggle to focus because of money worries

40%

say financial stress has directly hit their work performance

87%

of HR professionals see financial stress disrupting productivity

Untitled (46 x 30 cm) (26)

What's inside

  • The true scale of financial vulnerability across the public sector workforce
  • How money stress is hitting focus, productivity and performance at work
  • The perception gap between what HR believes and what employees actually do
  • Why most wellbeing benefits miss, and what employees say "useful" really looks like
  • The £1,908 opportunity: the benefit that feels like a pay rise

HR wants to help. Employees don't know where to turn.

Almost every HR leader says financial wellbeing matters, and most are confident they understand the pressure their teams are under. But employees are living it differently.

The result is a wellbeing strategy built on assumptions rather than reality. The report shows exactly where the gap is, and how to close it.

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HR leaders who say support exists 96%
Employees who know how to use it 38%

Download the report