People find themselves in financial difficulty for a whole range of reasons such as loss of income, health issues, separation or death or inability to manage figures or face conflict.
Regardless of how you found yourself in this situation, the most important thing is to find someone you can trust and who is qualified to inform you of your options and help you take the necessary action.
Our financial counsellors can:
- help you get a clear picture of your overall financial situation
- explain what options you have in relation to your financial situation and their advantages and disadvantages
- advocate or negotiate with creditors, government agencies and others on your behalf
- put aside the time to listen to you and provide you with support
- refer you to specialist support services if required such as counselling or emergency services.
FMC’s financial counselling service is free, confidential and delivered by professionals.
How do I know that I need help with my finances and debt?
Most of us have had to manage a tight budget at some stage, but signs that you need help include:
- missed or late bill payments or frequently asking for extensions
- minimum or missed credit card payments
- increasing debt from loans and credit cards
- being contacted by debt collector
- not having enough money for essentials
- being behind paying rent/mortgage and fearing eviction.
Because financial stress can affect your mental, emotional and physical health as well as your relationships, you should also consider help if you are:
- feeling persistently anxious about money
- arguing with your family about money
- avoiding opening the mail or answering the phone
- having difficulty sleeping
- feeling guilty about spending money.
What should I do if I think I need help?
Call us on 1800 639 523 or send us an email and we can provide you with free and confidential assistance.