Too often, clients that I see are burdened by financial challenges complicated by challenges related to depression or anxiety. To any of you who feel such strains, do your best to stay focused on the present, do not allow yourself to "write" a forbidding future and simply live on this fear. Do seek professional help to address both your financial and emotional stresses. This is a story in process with an excellent beginning. I was referred a client from another social service agency. Our initial meeting was about establishing rapport and trust and beginning to understand the clients' situation and goals. Our second meeting built on this baseline and began to develop strategies to address their situation. These clients are at risk of losing their home. Medical expenses and reduced iincome due to disability have contributed to financial challenges. All have substantive medical expenses. I referred the senior mother to Jefferson County's Office of Senior Citizen Services' SHIP program. THis program provides free help in reviewing the best fit medicare supplement policies and Part D prescription drug plans. Clients had listed their home for sale months ago with no success. The home was priced to break even in paying off their mortgage debt and cover selling expense with no regard to market forces. I helped clients understand the market must dictate price, and we explored short sale approval. We got an OK from their lender to proceed with a short sale listing. Potential prospects began visiting their home, and they have a contract acceptable to them and being submitted for approval to their lender! Their is still more work to do on other debts, but we are off to a great start. Keep the faith. Seek professional help as needed. Live in financial serenity.
No comments:
Post a Comment