Basic Counseling Skills
  • Home
  • A. TECHNIQUES
  • Pattern of Sessions
  • Active Listening
  • Body Language
  • Asking Questions
  • Paraphrasing/Tone
  • Summary
  • Note Taking
  • Homework
  • Goodie Bag/Fun Stuff
  • Technique References
  • B. THEORIES
  • Client Centered
  • Holistic/Biopsychosocial
  • Strengths Based
  • Cognitive/Behavioral
  • Solution Focused
  • Existential Therapy
  • Letting Go
  • Theory References
  • C. SAMPLE SESSIONS
  • 1. Client Centered Counseling
  • 2.&3. No Show/Cancellation
  • 4. Strengths Based
  • 5. Cognitive Beh. Counseling
  • 6. Holistic Health Counseling
  • 7. Solution Focused
  • 8. Existential Counseling
  • 9. Becoming Unnecessary
  • D. SELF HELP
  • Journaling
  • Mood Mapping
  • Whole Health Check In
  • Community Resources
  • Ten Things I Like About Me
  • Common Lies We Tell
  • Goal-Setting
  • A Why to Bear a How
  • Happy People
  • Self-Help References
  • E. CONTINUING EDUCATION
  • F. SITE MAP
  • G. CONTACT ME!
  • H. Readers Contributions
    • Articles >
      • Addiction and Sleep - Jessica S >
        • Alcohol Counseling - Carol G.
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        • Suicidal Thoughts and Alcohol Abuse - Julia W
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        • Bereavement Counseling - Sally W
        • Personality Traits - Sally W
        • 3 Solutions to Worst Fears - Paige M
        • 30 Min Reduce Anxiety - Paige M
        • Restorative Power of Arts & Crafts - Sally W
        • 3 Ways - Rid of Sunday Scaries
        • Conquer Fear of Flying - Sally W.
        • Document Anxiety through Journaling - Sally W
        • Career Options - Sally W
        • School Counselor ToolKit - Serena K.
        • Psychology Degrees - Lindsay F
        • Depression and Addiction Rehab - Katherine C
        • Diagnosing Depression - Melissa M
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        • Cleaning House for Better Health - Cheryl C.
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        • Financial Stress - Sally W.
        • Financial Debt - Sally W
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        • Gut Health & Mental Health - Sally W
        • How Having a Skincare Routine
        • Counseling the Impoverished - Sally W
        • Conquering Interviews - Eva B
        • Daily Journal Routine - Paige M
        • 4 Journaling Tips for Beginners - Shristi Patni
        • Drug Dangers - Rebecca P.
        • Recall Report - Laura P.
        • Living Mindfully - Mollie Wilson
        • Cognitive Behavioral Therapy - Sally W.
        • Couns. Resources - Tim C.
        • Practical Financial SKills - Johanne H
        • Nutrition to Help Anxiety - Sally W
        • Retirement Career Change - Sally W
        • Managing Phobias - Sally W
        • Healing Power of Pets - Sally W
        • Geriatric Counseling - Sally W
        • Counseling Seniors with Anxiety - Sally W
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        • Addiction and Sleep - Jessica S
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        • Tuck Sleep - Kellen S
        • De-Fogging Brain - Sally W
        • Recovery from Sports Injury
        • Improving Mental Clarity - Sally W
        • Indoor Air Quality Can Affect Mental Health - Sally W
        • Stress on Health - Sally W.
        • Stress Management - Sally W
        • Suicidal Thoughts and Alcohol Abuse - Julia W
        • Summer Side Gigs for Teachers - Joyce W
        • Tobacco in 2017 - Mary G.
        • Take Control of Your Life - Dorothy Watson
        • No More Winter Blues - Rufus Carter
        • How I Put Anxiety Attacks on Pause
        • 8 Effective Tips for Improving Mental Health - Camille Johnson
        • Manage And Reduce Stress For Your Employees With These Tips - Rufus Carters
        • Moving Forward When Grief Intrudes in Your Life - Camille J
        • Working Remotely - Emma Grace Brown
        • Unlock Greater Confidence - Rufus Carter
        • Coping With a Mid-Life Crisis - Rufus Carter
        • 6 Self-Care Tips - Laurie Abner
        • Help a Loved One After the Loss of a Spouse - Rufus CarterNew Page
        • Relocating After a Tragic Loss - Lucille Rosetti
        • Guidelines for Teens Who Want to Thrive as Entrepreneurs - Lucille Rosetti
        • 5 Common Lifestyle Habits That Can Cause Skin Damage - Andrew Mark
        • What to Do if a Loved One Is Battling Addiction
        • From Addiction Recovery to Financial Independence
        • Major Life Transition - Ryan Randolph
        • Find Your True Path - Ryan Randolk
        • Officers Coping With PTSD - Ryan Randolph
        • Self-Care Secrets for the Rookie Caregiver - Ryan Randolf
        • Self-Care Building Blocks for Improving Your Mental Health - Cheryl Conklin
        • Avoiding Burnout in the Counseling Profession
  • Reset Your Day Without Burning Out
  • The Big 6 Personality Traits
  • When Everything Breaks, Something Begins - Holli Richardson

Can Counseling Help Relieve Financial Stress? by Sally W.

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77 million Americans have delinquent debt. As well as being problematic for the economy, this is concerning as debt can have negative effects on your physical and mental health. A study from the University of Southampton found a correlation with debt and poor mental health. However, if your friend is in debt trouble and and you recommend counseling then they will probably immediately say, “Counseling costs money! When the source of my stress is money-related, how will spending more help?” Luckily, there are services that offer training in counseling skills, for free or cheap. These skills can help you address debt issues, for yourself or someone close to you. Read on for more information on debt and counseling. 

The mental impact of debt 

Regardless of the cause, stress can have a big impact on your health, both physical and mental. Financial stress can cause headaches, insomnia, unhealthy eating habits and increased susceptibility to infections. Often, seniors experience significant financial stress, more than other demographics, because their bodies are less able to repair and adapt themselves. However old you are, left unchecked, financial stress can lead to more long term conditions such as anxiety, depression and chronic health conditions. When it gets to this point, an intervention becomes necessary: this intervention can be counseling.

Self-help counseling 

For those who are otherwise mentally healthy and think that their financial woes are probably the main cause of your stress and anxiety, self-help counselling could be a great way to deal with financial stress. Cognitive Behavioral Therapy or CBT techniques can help change negative thinking patterns surrounding your debt, as well as help you become more organized - very useful in managing your money. If you’re not ready for that, simple journaling can be a wonderful outlet, allowing you to release your emotions, freeing up your mind to make changes. Finally, setting yourself regular and realistic financial goals and meeting them will increase your confidence.
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Everyone is different and different solutions will help your unique problem. But for many people, learning counseling techniques for self-help can be an effective strategy to tackle financial stress. As much of this study is free or cheap and can be done by yourself without complicated technology, why not give it a try?  

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