Financial stress is sadly becoming very widespread. In a recent poll, over half the people questioned said they were “stressed” about their finances. Yet asking for help can be difficult and knowing who you can trust can be even harder.
Our financial counsellors provide confidential counselling, coaching and assistance to expertly and respectfully guide you back to financial control.
Financial challenges can occur at many times in our life - getting married or separating, taking time away from work because of illness or raising a family, buying or selling a home, unusual or unexpected expenses, transition to retirement, redundancy or reduced work hours.
How will financial counselling help you?
Financial counselling will help you understand and manage your money, by:
eliminating your stress and worry so you can sleep better
creating a personalised action plan to get out of debt and stay out of debt
informing you on how to approach & negotiate with your creditors
giving you practical information on bankruptcy & the alternatives
providing tools to help manage financial conflicts within relationships
teaching you financial skills that will last your lifetime
What will happen when you speak to a financial counsellor?
During your first appointment, the counsellor will gain an understanding of your current financial position and what is important to you. The focus of this appointment is to identify the areas that require attention and start to create a resolution for you. Financial issues are very individual, so your appointment is tailored to suit your personal requirements.
Over time, the counsellor will work with you to form a plan of attack. They are experts in:
Money management
Bankruptcy
Debt agreements
Negotiating with creditors
Debt reduction strategies
Relationship separations
Transitions to retirement/redundancy
Solo parents finances
How do I know if I need a financial counsellor?
Do you know how every dollar of your money is spent?
Do you have a budget and stick to it?
Do you understand the true cost of credit?
Do you pay all your bills, loans and credit cards by the due date?
Do you open your credit card statement as soon as it arrives?
Do you know how to make the most of every dollar you earn?
If you answered “no” to any of the above, please call us. We would love to tell you how we can help.
The harsh reality ….
A recent report has advised that in just the last five years, the cost of utilities has risen by 63%, public transport by 48%, food by 23% and rents are up 35% (based on ABS data). Source: Cost of Living Report 2011 - Queensland Council of Social Services (QCOSS)
These are enormous increases on essential items and it is no wonder so many Aussies are finding it tough.
Don’t do it tough anymore. Let us find a solution for you.
Disclaimer: This service does not make financial product recommendations, promote any individual financial organisation or approach, or provide personal financial advice on investments or taxation issues.
Clients of Interlock have reported that financial pressures and debt management are a common source of stress and result in a significant personal impact on many working Australians. As a result, Interlock offers EAP clients and their family members introductory phone financial counselling sessions by appropriately qualified and registered financial professionals.
During a financially difficult period, it is necessary to offer simple, concise, important, solution-focused information and a variety of solutions. We endeavour to help the client with their financial distress with the following method, tailored to each individual client:
Enable the client to fully understand their financial situation.
Ensure the client understands all available options.
Come to a mutual and informed decision with the client on an appropriate course of action to take.
Implement that action and help the client create change in their circumstances.
Follow-up either via phone consultation or email regarding the change in circumstance and the longer-term results.
For more information, or to book this service, please contact us.
