Financial Counselling: Vancouver, BC

Being in a situation where the burdens of debt oppress and smother the joy and freedom of living is a far too common condition in our lives today. Many good intentioned people, who are completely healthy both physically and psychologically, can one day find themselves in a terrible financial crisis. Sometimes this crisis sneaks up on you over time as bills accumulate, and other times it can come suddenly, such as in the loss of a job. The stress can be unbearable and it can literally destroy other areas of your life. The good news is that there is a way out, and with counselling and sound budget analysis and planning, along with setting some real, tangible goals, you can find yourself on the road to a debt free life. Many marriages and relationships have been ruined simply because of finances. Some people just come to accept the idea of debt as something that is simply "part of life". We believe this is a tragic response to a very real problem.

 

Contact A Financial Counsellor In Vancouver BC Here

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Being Debt Free Is Not A Dream

The joy and feeling of freedom that you will know upon being debt free is incredible. Every part of your life becomes lighter, easier. The heavy oppression that weighs on you day and night is suddenly lifted. You no longer have the feeling of being "squeezed"- the anxiety, the tension, the agony of worry...all of it dissipates and what is left is splendid freedom. It is the feeling of standing on the top of a mountain under a deep blue sky, being captured by the wind and soaring above the wild below. Your entire life changes, and no longer do days turn into years. Instead, you are able to enjoy each moment, and all those "small" things you never had time for are now things that you can freely enjoy. Sadly, not many people know this feeling, for they spend their entire lives sunken in the mire of financial burden, living a life where the money being made is never quite enough to cover the bills. It doesn't have to be that way.

 

What Causes A Financial Crisis?

Out of control spending, unexpected expenses and bills, or a loss of income can all lead to financial stress and the burden of not staying on top of your financial commitments and responsibilities.  In Vancouver, Financial Counselling is offered to individuals and couples to address not only the practical aspects of your financial situation, but also to identify and resolve the issues that were in place that contributed to the strain in your finances.  Beginning by looking at how to move you beyond the debt or the current challenge with maintaining your bills, your counselor will develop a summary of your spending habits and the effects of this on your monthly income.  Together, you will develop a plan to move through your current situation, reducing debt, and the stress that comes with expenses that exceed your income. 

 

The second component is to identify the stressors that are in your life that contributed to the financial challenges.  Aside from the tangible aspects of higher bills, or lower income, elements such as how you make spending decisions, assumptions about the purpose of money and wealth in your life, and how you place value on “things” and life are examined.  Whether individually, or as a couple, how we conceptualize money affects when and why we make the decisions we do.  As these aspects are determined, your Vancouver Financial Counsellor works with you to resolve any old beliefs about finances and money that are limiting you and integrates these changes in your thoughts into the development of a financial budget and plan to move you forward.