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 I am in Crisis

In this fast-paced world, financial success and accomplishing one’s goals require a strategy or plan.

Financial problems or financial pressure is a situation where money worries are causing you stress. Many people are facing hard financial times and the impact on mental health can be significant. These problems can seem impossible to overcome, but you can get help and take steps to improve your situation. 

SIGNS YOU MAY NEED HELP WITH FINANCES AND DEBT

Late bill payments or often seeking extensions
Minimum or missed payments on credit cards
Spending less money on necessities e.g. food
Increasing debt from credit cards or loans
Legal action for debt recovery
Fear of eviction by being behind in rent or loan repayments
Not enough money coming in to cover required spending

THE IMPACT OF FINANCIAL PROBLEMS ON YOUR HEALTH & RELATIONSHIPS

Worrying a lot or feeling anxious over money
Arguing with loved ones over money
Being afraid to open the mail
Difficulty sleeping
Feeling guilty spending money on non-essentials 

GET HELP

Contact a financial counselling service for free, confidential help.Set aside money in a savings account each month for emergencies if you can – every little bit helps.

Contact people who you owe money. Tell them you are having difficulties and ask for time to work things out. Make progress payments and set up a payment plan. Many services are happy to give you payment extensions if you call them. If you don’t get a helpful response speak to the Hardship Team of the lender or provider you are dealing with.

If you don’t feel you've had a fair hearing, make a complaint to the Ombudsman.

Get help if you are feeling overwhelmed and cannot cope mentally or emotionally. Talk to a friend, family member, your GP, counsellor or a helpline. 
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Remember, in order to achieve financial success, and convert your dreams into reality, a good financial plan is needed. 

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