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Financial Counseling Skills

Financial Counseling Skills. Key Concepts. It’s a process Led by a trained individual Using appropriate resources To help the client reach goals With mutually agreeable guidelines. Influences. Values Experiences Beliefs Knowledge. Communication. A talks and B listens to the words.

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Financial Counseling Skills

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  1. Financial Counseling Skills

  2. Key Concepts • It’s a process • Led by a trained individual • Using appropriate resources • To help the client reach goals • With mutually agreeable guidelines

  3. Influences... • Values • Experiences • Beliefs • Knowledge

  4. Communication A talks and B listens to the words. B also listens to the tone of voice. B watches what A does. B considers social context.

  5. Important Skills • Observing non-verbal behavior. • Active listening. • Clarifying statements. • Asking questions.

  6. Observing Non-Verbal Behavior

  7. Active Listening • A skill. • Paying attention to the TOTAL message. • Giving total concentration and attention.

  8. Clarifying Statements When a client makes a statement, never ASSUME that you KNOW what the client MEANS!

  9. Clarification Technique 1 • Repeat key words: • Client: That bill collector is a real jerk. • Volunteer: Jerk?

  10. Clarification Technique 2 • Restatement: • Client: I can’t pay the bills I’ve got now and my wife’s birthday is next week. What can I do? • Counselor: It sounds like you are worried about what to buy your wife when you already have financial problems.

  11. Clarification Technique 3 • Direct Method: • Counselor: Sam, you’ve told me that you think the whole credit business is a trap. Could you explain to me what you meant by that?

  12. Clarification Technique 4 • Asking questions: • Open • What do you think will happen if you do that? • Closed • Do you expect that the creditor will accept your proposal?

  13. Silence

  14. Systematic Inquiry • General discussion of problem and situation. • Discussion of any emergency situation. • Discussion of income. • Discussion of monthly expenses. • Discussion of debt load. • Discussion of what client wants to do. • Explanation of what volunteer can do. • Plans for action.

  15. Summary Practice techniques that can help you communicate. Recognize that clients are unique. Clients are influenced by values, experiences, beliefs and knowledge. Use systematic inquiry.

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