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Financial Crisis Management Counseling

Financial Crisis Management Counseling. Facing the challenges of reduced income. Loss of income spawns many challenges Financial counselors can help Human tragedies precipitate income loss Loss of income causes loss of hope Women bear the brunt. Rebuilding the strength to move forward.

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Financial Crisis Management Counseling

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  1. Financial Crisis Management Counseling

  2. Facing the challenges of reduced income • Loss of income spawns many challenges • Financial counselors can help • Human tragedies precipitate income loss • Loss of income causes loss of hope • Women bear the brunt

  3. Rebuilding the strength to move forward • Recovery requires positive readjustment • Professional help is advised • Positive thoughts can produce positive action • Positive interaction helps rebuild emotional strength

  4. Positive communication • Sincere interest • Compassion • Compliments • Challenges • Expectations • Words do motivate!!

  5. Developing plans for financial recovery • Notify creditors • Sit down with members of household and list all expenses – determine which can be reduced or eliminated • Develop revised written budgets, control spending • Use new credit only for absolute necessities that cannot be delayed • Take steps to regain employment • Make use of community resources • Take care of yourself

  6. Family Values, Traditions, Goals

  7. Values & Traditions • What are family values? • What are family traditions?

  8. Why set Goals?

  9. Goals • Ends toward which effort is directed • Short term goals • Specific behaviors and outcomes to accomplish in a relatively short time • Long-term goals • Broad statements giving overall direction to one’s life

  10. Rules • Make sure it is a goal that you want • A goal can not contradict any of the other goals • Develop goals in the six areas of your life • Write goals in a positive instead of a negative • Write goals in complete detail • Set goals high enough • Write them down

  11. Now What? • Sharing you goals with others? • Review goals daily • For each decision, ask yourself • Does it take me close to, or further from my goal

  12. 6 areas to define goals • Family and home • Financial and career • Spiritual and ethical • Physical and health • Social and cultural • Mental and educational

  13. Family and Home

  14. Family Time • What do I want my kids to remember most from this year? • How can we spend meaningful time together? • Are there specific issues in sibling relationships on which I would like to work? • Is there a child or a parent who will need greater support from the rest of the family this year?

  15. Children’s Development • What are my child’s greatest strengths? • What brings my child the greatest joy? • Who are my child’s closest friends, and how can I help nurture those relationships? • Who in my extended family is my child closest to, and how can I arrange time for them together? • What kind of growth and challenges can I anticipate for my child in the following areas: intellectual, athletic, personal, and social? • How does my child feel about his or her child-care situation or school, and what changes might be anticipated or needed? • What kinds of activities would be best for my child for this upcoming year? • How will my child spend next summer, and what do I most hope for in that experience? • In what areas, and at when times, do I think my child might need the greatest support? • How can each family member support this year of growth and development for each of us?

  16. Partner • What goals do my partner and I share? • How can my partner and I ensure that we have special time together? • How can my partner and I share child-care duties?

  17. Extended Family and Close Family Friends • With which long-distance family members and friends do I want to keep in touch? • With which family members and friends do I want to plan get-togethers? • Which actions must I take to make a get-together or visit a reality?

  18. Home Related Projects • What major project(s) do I hope to accomplish this year? • What kind of personal and financial resources will this project take to be successful? • When is the best time to start this project? • How long can I anticipate it will take to complete the project? • What responsibilities will family members have for this project, and how will it affect us as a group?

  19. Financial and Career

  20. Professional Goals • What do I hope to accomplish professionally this year? • How will meeting these goals affect my family? • Are there specific times during the next year that will be most demanding at work? • What kind of support will I need from family members in order to accomplish my professional goals?

  21. Personal Goals • What do I, as an individual, want to accomplish this year? • How can I tailor these goals to be least disruptive to my family? • What kind of support do I need from family members to accomplish these goals?

  22. Calendar Issues • What major events must I plan around, i.e. birthdays, holidays, school vacations? • What are this years’ school vacations, early release dates, and other school-related events? • What upcoming special family days and holiday commitments do I anticipate? • What are this year’s vacation plans, if any?

  23. Family Resources • What major expenses do I anticipate this coming year? • What will our major sources of income be? • What are our saving goals and plan for saving? • How much money should be set aside for each of my children’s future education? • Who will assume responsibility for implementing this plan? • What must we do as a family to make this effort successful?

  24. Spiritual and Ethical

  25. Spiritual and Ethical • Do I want to start attending a church? • Do I want to be more active in religious practices? • Are there things I have been doing that I don’t feel quite right about and should I change that?

  26. Physical and Health

  27. Health • What athletic goals do I want to achieve? • Am I satisfied with my weight? • Do I eat healthy? • Am I satisfied with my eating habits?

  28. Social and Cultural

  29. Social and Cultural • Do I want to make the world a better place by your existence? If so, how? • How do I want to enjoy yourself?

  30. Mental and Educational

  31. Mental and Educational • Do I want to seek a degree? • Do I desire to learn more? • Do I challenge my brain on a daily basis?

  32. How to start to achieve goals • Determine long-term and short-term goals • Start with the big picture (long-term goals) and develop short term goals to achieve long-term goals • Set a daily to-do list to work towards the lifetime goals. • Review your plan on a regular basis

  33. Setting Goals Effectively • State each goal as a positive statement • Be precise • Set priorities • Write goals down • Keep operational goals small • Set performance goals, not outcome goals • Set realistic goals • Do not set goals too low

  34. Achieving Goals • Once achieved, take time to enjoy it! • If it was significant, reward yourself • Learn from achieving this goal • Failure to reach a goal does not matter as long as you learn from it.

  35. Developing plans for financial recovery

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