Her plans to retire and her dreams for her future were shattered, and Frances found herself walking through fog, dealing with grief and depression.

She was able to get five sessions with a counsellor, who introduced her to a free online therapy course, called Just a Thought. 'The counsellor said it contained the tools and exercises she would have given me if we were carrying on,' recalls Frances.

Just a Thought provides free lessons on anxiety and depression using a proven therapy called CBT (cognitive behavioural therapy), which helps you look at your thoughts and how they affect your emotions and behaviour.

Frances says you are never too old to decide to change your mind: 'You don't have to think, "This is it". You can think, "No, I've enjoyed life before and I can enjoy it again".

- Name has been changed.