Mental Health Assistance During These Times of Uncertainty

 It is no surprise that this year has been harsh on everyone, causing uncertainty and stresses at far more extremes than one would expect during a normal year. One thing that has changed is the focus on mental health and helping people get through the effects of stress and other mental illness related symptoms. These kinds of symptoms can have varying negative effects on people’s ability to function, one of the more extreme results being homelessness. Being unable to function and losing jobs due to inactivity, lack of motivation, exhaustion, depression, and many other things make keeping not only oneself in functioning order difficult, but a job even harder.

What can I do to help myself when it comes to my mental health, the symptoms from mental illnesses and the stressors I face daily?

With this there can be many things a person can do to lessen the effects of the impacts their mental health has on them on a daily basis. For one, something that a lot of people can do is to visit their general healthcare doctor. They have general knowledge on mental health effects and have access to resources that mainly focus on this area. Psychologytoday is also a good place to look for therapists if a person does not have access to a general health doctor. There are also many resources online that can help reduce stress as well, this is an example of that. It provides sessions to help one through their stress through breathing.

If you are experiencing the effects of mental illnesses, you aren’t alone, tons of people are experiencing the same kinds of fight you deal with every day, it is never too late to start working towards getting better

If you or someone you know has been feeling suicidal, please go here and call the listed number to get help: suicidepreventionlifeline

FINANCIAL PLANNING TO PREVENT HOMELESSNESS IN TIMES OF UNCERTAINTY

2020 has been a year of uncertainty for all of us. Some of us are dealing with personal losses, career setbacks, financial and housing struggles, and all of us are looking with uncertainty at the global economy, housing market, and job economy. It can be hard to feel safe and secure when there are so many uncontrollable factors affecting our lives. Homelessness often occurs due to unforeseen or uncontrollable financial burdens, which is why it is important to take a hard look at our financial security and assess where we are at, and where we may be vulnerable to hardships and loss.

Financial security is more than simply having money in the bank or a roof over our heads.  Financial security includes our assets, sources of income, our debt to income ratio, our living expenses, our job security, and more. Our Financial security is affected by questions like: What would happen if you got sick and could not work?  What is your biggest financial expense and what would happen if this burden grew? If you could not pay all of your expenses, which ones would you pay first? We have to look at all these factors to calculate our financial security, and it's only after taking a hard look at our finances that we can plan and prepare for the unknown and work to prevent financial crisis and homelessness. 

Some questions we should be asking ourselves when assessing our 2020 financial security

• How would you and your family be affected if you or a family member tested positive for COVID-19?
• What would your household income look like if you or a partner lost your job due to employer cutbacks?
• If you had no income coming in, how long would you be able to pay your expenses?
• If you had a sudden or large emergency expense, would you be able to pay it?
• What is the current cost of your housing and living expenses and how can you manage and lower these costs if need be?
• What is the bare minimum income you need to maintain your housing or to find a more affordable housing option?

"Change what you can control, manage what you don't, and know the difference"-Peter Drucker

All these aspects of calculating financial security allow us to plan for the uncertain times, and unexpected financial burdens, that often lead to homelessness.  By knowing our current finances, and planning ahead, we can seek to avoid financial struggles and prevent homelessness. Everyone at every level of income and financial standing benefits from assessing their financial security and planning for the future. Creating a plan for your financial success and stability should not feel unreachable or unavailable to anyone. These links provide information and resources for calculating your financial security and planning ahead for financial struggles.

How to measure your financial security

Baby steps to beginning financial success​

Resources for low-income financial counseling 

Click Here For LowIncome Financial Help Counseling