Tools and Techniques for Counselors

Problem:
People with addictions, such as gambling and substance abuse, often incur debt as a result of mismanagement of finances. Financial counseling provides the opportunity to assess a current financial situation and develop effective financial coping skills. Counselors and helping professionals benefit from having financial management tools and techniques to work more effectively with addicted clients who have debt and other financial challenges.

Response:
As a result of a successful financial counselor seminar conducted by the family resource management specialist in northeast Iowa , a contract was developed between ISUE and the Iowa Substance Abuse Program Directors' Association to offer similar two-part financial counseling seminars in various locations throughout the state. In Bettendorf , five counselors attended the 10 hours of classes using a statewide teaching module and resource materials. Session one focused on values and goals; financial data and tools; credit issues and financial counseling; and problem gambling clients. Session two focused on tangible tools such as the PowerPay debt reduction analysis computer program; identifying and addressing credit issues; understanding creditor negotiation and debt management programs; keeping records and giving evaluations; and using online tools and resources.

Impact:
Participants listed the following as most helpful from the seminars:

• Discussion with other participants
• Sharing info and new material in handbook
• Thoroughness of presenters

Other comments about the seminars were:

• Very good presentation, lot of good relevant info.
• Presenter very personable, good facilitator
• Enjoyed presenter and surroundings
• Very respectful of audience and interesting flow of info.

When asked how they will use the information from the seminar, responses included:

• I can see using the information in my personal life with budgeting and teaching family. In addition to providing clients with new information to consider for themselves along with budgeting and handling their debts. This tends to be a big trigger for relapse for many clients.
• I will use this information to provide training to others in my office to assist them in identifying and assisting clients with gambling and/or addiction issues.
• Personally, I will get copy of credit report which I've ignored because I have good credit, but forgot about possibility of identity theft. Like the handouts and exercises—will use individually with clients and some for group sessions. Like the nonjudgmental feel for exploring these issues. Instructor was excellent.
• I will use the monthly expense report, the liabilities or debts report, and the “what are your money values” report. It was also good to get to know a credit counselor in Cedar Rapids where I will be able to refer clients.
• Very helpful information to relay to clients regarding cc reports, scores, opting out, and agencies available regarding tax filing and credits. Open discussion was helpful and good communication between those present. The handbook will be a good source of reference in assessing client and family.

Contact:
Phyllis Zalenski
Family Resource Management Specialist
Iowa State University Extension
605 E. Main, Anamosa, IA 52205
Phone 319-462-2791; Fax 319-462-4572
Email zalenski@iastate.edu