Most people have been through periods of their life where they are unsure of how they are going to meet their loan payments or cover their monthly bills. Many people who’ve experienced debt crisis over a prolonged period of time, have to juggle money, stress about covering the bills over and over again, worry about putting food on the table, take lines of credit to cover costs.  All in the hope of getting a lucky break to pay it back but it just adds to the burden, ending up with some sort of post traumatic stress that will need professional help to work through.


Support is a phone call away. You can be anonymous if that takes the pressure off making that connection. Image courtesy of Beyond Blue.

Psychologically, healing is an important part of the debt free journey, so you can give yourself positive reinforcement whilst moving towards your goal. Help in the form of communicating your thoughts and feelings about that time (might be present or past), help in the form of tools to deal with the stress and anxiety related to finances, and support to create a positive new mindset shifting your perception from the previous stress thoughts. These are essential when creating new habits for managing finances in the future. As much as our society tries to advocate the reduction of stigma around mental health, we are loath to reach out and get ourselves help. We put it off, we say it’ll be alright, we push it down. However, down the track when faced with financial strains again, the stress comes up thick and fast and can send a person spiralling away from their end goal.  Worst case scenario is someone plummeting into a depression that further strains the finances particularly if it affects work commitments.

Image courtesy of

Image courtesy of

We can’t stress enough how important it is to reach out and have a chat with someone who is a qualified support person. Lifeline and Beyond Blue are two fantastic organisations that are tireless in their commitment to supporting folk getting through their difficult times. They can get you started with a chat and get you in touch with the right support that fits your circumstance.

Lifeline provides indicator signs to consider when deciding if you may need help

  • Late bill payments or often seeking extensions
  • Minimum or missed payments on credit cards
  • Spending less money on necessities e.g. food
  • Increasing debt from credit cards or loans
  • Legal action for debt recovery
  • Fear of eviction by being behind in rent or loan repayments
  • Not enough money coming in to cover required spending

And if you experience any of these  symptoms impacting your personal life, please seek their help…

Crisis support

Please don’t leave it, push it down or say it will be alright. Even if that little inkling of stress can be resolved before you find yourself in rough financial waters, you’ll have developed the tools to manage your way through it. It will still be stressful but it may not be dire.

Call Lifeline 24-hour crisis support on 13 11 14 if you need emotional support. They also have a financial counselling help line: Financial Counselling Helpline 1800 007 007
(9.30am – 4pm, Monday to Friday)

Or Beyond Blue on 1300 224 636. Online chat service at

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If you’re facing financial hardship we are here to talk about a solution.  Call us on 1300 887 211 or Book a Free No Obligation Phone Consultation with our friendly team and we can discuss debt management options specially focused on your personal situation.