Financial Hardship

There are a lot of people who are experiencing hardship, particularly with the lack of rising wages, increasing cost of living and a subtraction in the Australian economy and more broadly the global economy.

It is common for people to experience financial hardship at various times and through different stages in life.

Financial hardship can come from an unexpected redundancy, death of a spouse, under employment or through unexpected bills and repairs or expenditure that is not planned for.

It is normal for most people throughout their lives to experience an unexpected event or changes outside of their control that will negatively impact on your financial circumstances.

Perhaps you’ve lost your job, suffered an illness or injury or have been impacted by a natural disaster.

If, as a result, you can’t afford the minimum repayment on your loan or credit card, and you would like your financial institution to consider if they can provide you with financial difficulty assistance, please contact them immediately. The sooner you contact your financial institution the sooner they can work with you and alongside you to try assist you through this difficult time.

In many instances assistance can be provided quickly and efficiently over the phone.

Alternatively, you may need to complete a more detailed assessment of your personal and financial circumstances to identify how they may be able to help you.

Financial difficulty assistance is available to you, whether you are an individual, joint account holder, guarantor or small business customer. If you have a joint account and you are experiencing financial difficulty, your financial institution can assist you individually if you request it.

There are also some free online tools that have been designed to help people manage their money, try ASIC (Australian Securities & Investments Commission) Money Smart   www.moneysmart.gov.au

ASIC’s MoneySmart website is for all Australians regardless of their circumstances. .  It offers free, independent guidance so you can make the most of your money.  It has smart tips on dealing with the ups and downs of life: losing your job, having a baby, divorce or separation, buying a home, losing your partner and many more.

There is also the National Debt Hotline – 1800 007 007. The National Debt Hotline is open from 9:30am – 4:30pm Monday to Friday.

 

Thank you to Mr Michael Bell, Senior Branch Manager, East Gosford, Lisarow & Kincumber Community Bank, Bendigo Bank & LifeSpan Champion for contributing to this article. 

Any Day is OK to Ask R U OK?

R U OK? Day is our national day of action dedicated to reminding everyone that any day is the day to ask, “Are you ok?”.  It’s about inspiring people to start these conversations every day of the year to support those struggling with life.

Sometimes, we may not feel confident if the person says, “No I’m not OK.”  And that’s OK.  You don’t have to be an expert to show you care.  Use these four steps to help navigate the conversation:

  1. Ask
  2. Listen
  3. Encourage Action
  4. Check In

You can check out the R U OK? Day resources and the Every Day Resources at www.ruokday.org.au.

Help get your school, workplace and community asking, “Are you ok?”.

Suicide Prevention Central Coast has small grants available to support you to host an
R U OK? Day Community event!

The small grants are being offered to stage RU OK? Day activities or events on or around RU OK? Day – Thursday 12th September 2019.

For more information or to apply, click here (provide link to form) for the R U OK? Day Small Grant Application Form or email info@suicidepreventioncentralcoast.org.au for a copy.  Grants close 19th July 2019.

R U OK? Conversation Convoy

The R U OK? Conversation Convoy travels around Australia to inspire everyone and give them the skills, motivation and confidence to start a conversation with anyone they might be worried about.  This year we are lucky to have the Convoy visiting the Central Coast on 10th July 2019.  The time and place is still to be decided so go to the R U OK? Website to get updates.  www.ruok.org.au/conversation-convoy

Important Dates

  • 10th July 2019 – R U OK? Conversation Convoy on the Central Coast
  • 19th July 2019 – Grant Applications close
  • 12th September 2019 – RU OK Day

REMEMBER:

Taking part can be as simple as learning R U OK?’s four steps so you can have a conversation that could change a life.

  1. Ask R U OK?
  2. Listen
  3. Encourage Action
  4. Check In

 

Are you interested in being part of the suicide prevention solution on the Central Coast?

Are you passionate about suicide prevention? Would you like to help make a difference on the Central Coast?

If the answer to these questions is yes we’d like you to join our LifeSpan champion team.

Click here to watch a brief video on what LifeSpan is all about.

The role of a LifeSpan champion is to increase knowledge of and participation in LifeSpan  and Suicide Prevention. Champions come from different sectors of the community and are an integral link to their communities, appropriate resources and activities. By becoming a LifeSpan champion you become part of the solution.

What do champions do?

You will link people to resources such as free online training – Question Persuade Refer (QPR) and other resources. You promote various suicide prevention initiatives such as RUOK? Day. You attend events such as World Suicide Prevention Day and others to give out information and talk about what’s happening on the Central Coast in Suicide Prevention.

Who can be a champion?

Anyone can be a champion! You do not need any specific qualifications or titles to be a LifeSpan Champion. You do not need lived experience of suicide to become a champion. All you need is a passion for suicide prevention and a keen drive to make a difference in your local community.

How do I become a LifeSpan champion?

Email LifeSpan at  info@suicidepreventioncentralcoast.org.au .

Let us know you’d like to be a champion.

We’ll get in contact to talk about your particular interest in suicide prevention and how to become a champion. We provide free online training and support for our champions.

We will keep you updated on what is happening in the local community and provide plenty of opportunities to become involved.

Without our champions LifeSpan’s suicide prevention would not be as effective or be able to reach the people who need us the most. We look forward to hearing from you. Happy championing!

Well Man – A new men’s health app

A fantastic new men’s health app was recently launched. The app is available for free via the App Store or Google Play Store and is aimed at improving men’s overall health and wellbeing.

One of our LifeSpan community members reviewed the app from a “blokes” perspective.

Their feedback was

“This is a really straight forward, sensible app that does a pretty good job incorporating health, well-being and psychological concepts into plain English specifically for men.”

“I believe it has strong rural origins, the video on the Men’s Resource Centre website (which is based in Albany WA) is wall to wall tractors, trucks and wheat fields.  My guess is that it will play very well with a large segment of men on the Central Coast.  It certainly sat easily with me”.

Some of the best features include:

  • The men’s survival booklet which is easy to read and navigate by topics. There is quite a comprehensive range of topics generating thought and reflection.
  • Emergency Contacts is very useful with 000, Suicide Call Back Service, beyondblue, MenLine Australia etc.
  • 18 day challenge – this encourages behaviour change in a non-threatening playful way.
  • 9 Tips for staying alive 4 men (suicide prevention program) – straight forward, practical and ties is with the other content.  This feature of the app could be really beneficial for health and community workers linking men to the app and using the booklet. The 18 day challenge or 9 tips as anchors would be good for follow up and ongoing work with a person. This also includes safety planning and a range of emergency contacts a finger press away within the app.  It opens up to a “booklet”, but behind the booklet is a navigation menu that has some really great information and resources for men.

For more information about the app click on the Mens Resource Centre or go to the App Store or Google Play Store for more information, search for Well Man.