HAVING A CONVERSATION ABOUT MONEY WITH A CLIENT
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Key messages for starting a conversation about money
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Money is generally seen as a taboo topic in our society so it can be difficult to approach a conversation about money with a client. Below are some things to consider, and some things you might say if you are wanting to talk to a client about money.
ASK – you can be general or specific
You could start by enquiring generally, but genuinely
Or, if you know the person is struggling financially you could be more specific
RESPOND – you can dig a bit deeper, or let them know you are available to chat
RESPECTFULLY REFER – let them know about available supports
IDENTIFYING FINANCIAL HARDSHIP
| Key messages for identifying financial help
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Financial hardship is when a person has the intention to pay their bills, but not the capacity to pay. Factors that can lead to financial hardship include:
- Lost job/reduced income
- Family obligations/ family overseas
- Family violence
- Physical or mental illness (of the person, or someone they are caring for)
- Death or illness of a family member
- Other change in family unit, e.g. new baby, relationship breakup
There are clues to identify financial hardship when it’s not disclosed
- Contacting a service about the same issue multiple times (e.g. food relief)
- What they say:
- Feeling based statements
- Situation based statements
- What they do:
- Show signs of anger, frustration, sadness, confusion etc.
- Disengage
As a worker, what can you do?
- Practice active listening
- Be curious – ask gentle questions
- Show empathy
Making respectful referrals
- Provide information about available support services
- Be aware of boundaries of your role and know your limits. Unless your role is a counsellor for someone in distress, refer them to a specialist support service.
