Currently, Certified Financial Social Workers, Counselors and Educators/Coaches across the US and in two other countries work with cancer patients, dialysis patients, HIV-AIDS clients, domestic violence, adolescent pregnancy, the EAP department of several national and international companies, the US military, veterans, schools, the elderly, families of autistic children, criminal justice, foster care, Departments of Social Services, the federal government, in private practice, etc.
Throughout the life cycle everyone progresses through numerous financial stages. Financial Social Work provides the on-going education, motivation and support to help make each stage and transition more manageable and understandable.
It seems that spring has finally arrived; after the hard winter experienced by most of us across the country this is a definite cause for celebration.
How do you celebrate the special occasions in your life? Is a happy occasion one which calls for spending money, or have you developed ways to commemorate good times without making them costly?
April is Financial Literacy month, and we want to celebrate this particular occasion with all of our readers, clients and followers by providing several FREE webinars:
April 14, 2010: Emotional Spending:
What It Is and What to Do About It
Join us to learn the signs of emotional spending, how to identify emotional spending triggers and most importantly, how to substitute healthier financial behavior personally, or with clients.
Reeta Wolfsohn, CMSW, the founder of the Financial Social Work discipline and the creator of Online Financial Therapy Support Groups will be the presenter.
April 21, 2010: Money Speaks: Are You Listening?
Learn how to tap into the thoughts and beliefs you have about money and its purpose in your life. During this interactive session you will learn how to shift your money mindset to support financial health while having fun.
Kathleen Burns Kingsbury, LMHC, CPCC will be the presenter. Kathleen helps people master their money mindsets to create health and wealth in their lives. She is an internationally published author, national speaker and award winning coach.www.kbkwealthconnection.com.
April 27, 2010: Could Mastering Debt Management Bring
New Meaning and Purpose to Your Life?
This session will explore the integration of traditional money management with principles of the simplicity movement and sustainable living practices, eco-therapy and socially responsible investing.
Robert Filocco, LPC, CFSW and Financial Planner will be the presenter.
Each of these topics is unique; two of them are being presented by guest speakers who are well known in their fields. So be sure to attend one or all of them.
Wishing you more money-wise days filled with the emotional stability which results from improved financial circumstances,Reeta
Receive this newsletter by Clicking "SIGN UP" below.
Share this newsletter by Clicking the envelope at top of page.
On-line Financial Therapy Support Groups
An idea whose time has come
If you, or someone you know, feels sad, isolated, ashamed, afraid, depressed or angered by your financial situation, or hopeless or helpless as a result of financial problems, you may want to join a Financial Therapy Support Group.
The cost of a Financial Therapy Support Group is only $8 a week. To celebrate Financial Literacy month we will waive the $10 registration fee for anyone who registers with the code "April newsletter."
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
"If you're looking for help learning about money and getting out of debt, this is where to find it." Cathy C
If where you are isn't where you want to be, this program is for you.
“TAKING CHARGE:
of your money, your life and your future...”
A unique self-study program for anyone experiencing financial problems, challenges and stress. To request a brochure
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
You'll learn how to take control of your money and to gain control of your life from this colorful bound workbook filled with activities and exercises that teaches, motivates and supports you in becoming more personally and financially successful no matter what your current circumstances.
Explore your thoughts, feelings and attitudes about money.
Learn the basics of reduction debt and saving/asset building.
Begin healing from the many challenges associated with financial problems.
Gain understanding of how you got where you are.
Identify where you want to be in the future.
Develop a success plan for a more emotionally and financially stable future.
Newsletter: February, 2010
Reeta Wolfsohn, CMSW, is the founder of the Financial Social Work discipline and of on-line Financial Therapy Support Groups.
1 FREE Month
Membership to an Online Financial Therapy Support Group
Currently, Certified Financial Social Workers, Counselors and Educators/Coaches across the US and in two other countries work with cancer patients, dialysis patients, HIV-AIDS clients, domestic violence, adolescent pregnancy, the EAP department of several national and international companies, the US military, veterans, schools, the elderly, families of autistic children, criminal justice, foster care, Departments of Social Services, the federal government, in private practice, etc.
The idea of Credit Card Reform is one I've advocated for and talked about for many years. Unfortunately, although we finally did get it on February 22, 2010, it was not the cause for celebration I had hoped for. The law does help consumers in some important ways, but it does not do nearly enough to end credit card company abuses.
The loopholes in the law make it more important than ever for consumers to pay attention to their credit card bills and to all communications from their banks because of the many things the Credit Card Accountability, Responsibility and Disclosure (CARD) Act does not do.
Be aware that credit cards will inevitably become more costly for all users because of:
A return of annual fees.
The disappearance of the “grace period.”
New fees for services not specifically banned in the law.
Rate hikes for all.
Lower credit limits.
To help everyone understand the pros and cons of the CARD Act we are offering a FREEWebinar on CREDIT CARD REFORM: What's In It for YOU?, Wednesday, March 10th at 2:00 PM eastern. Join us to learn the good, the bad and the ugly about how Credit Card Reform will impact your life. Click the above link, or the link next to this article to receive the registration invitation.
Wishing you more money-wise days filled with the emotional stability which results from improved financial circumstances,Reeta
Receive this newsletter by Clicking "SIGN UP" below.
Share this newsletter by Clicking the envelope at top of page.
On-line Financial Therapy Support Groups
An idea whose time has come
The Center for Financial Social Work now offers very low cost On-line Financial Therapy Support Groups that provide the Financial Social Work model of education, motivation and support directly to clients around the country and around the world.
If you, or someone you know, feel sad, isolated, ashamed, afraid, depressed or angered by your financial situation, or hopeless or helpless as a result of financial problems, Financial Therapy Support Groups can help because they are:
Open ended (you can join and/or quit at any time)
Designed to provide direction, clarity and balance to the days, the lives and the financial journey of every member.
"These groups will change your life." RL
If where you are isn't where you want to be, this program is for you.
“TAKING CHARGE:
of your money, your life and your future...”
If you are experiencing financial problems, challenges and stress, the Financial Social Work“TAKING CHARGE: of your money, your life and your future...” program is for YOU!
This clients/consumer program teaches, motivates and supports the creation of sustainable, long-term financial behavioral change. Everything needed to take control of your money and gain control of your life is provided in a colorful bound workbook filled with activities and exercises that help you to learn how to become more personally and financially successful no matter what your current circumstances.
Explore your thoughts, feelings and attitudes about money.
Learn the basics of reduction debt and saving/asset building.
Begin healing from the many challenges associated with financial problems.
Gain understanding for how you got where you are.
Identify where you want to be in the future.
Develop a success plan of a more emotionally and financially stable future.
A unique self-study program for anyone experiencing financial problems, challenges and stress. To request a brochure
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Newsletter: January, 2010
Financial Social Work is dedicated to helping men and women create SUSTAINABLE,LONG TERM FINANCIAL BEHAVIORAL CHANGE
"Get involved, to feel the sense of hope and accomplishment that come from working to improve your life."
We are now offering very low cost On-line Financial Therapy Support Groups in order to provide the Financial Social Work model of education, motivation and support directly to clients around the country and around the world.
If you, or someone you know, feel sad, isolated, ashamed, afraid, depressed or angered by your financial situation, or hopeless or helpless as a result of financial problems, Financial Therapy Support Groups can help because they are:
Open ended (you can join and/or quit at any time)
Designed to provide direction, clarity and balance to the days, the lives and the financial journey of every member.
Provide a safe place to:
Talk about money; to share the journey to emotional well-being & financial stability.
Reduce the isolation, shame and guilt that jeopardize financial security.
Replace old financial thoughts, feelings and attitudes with new ones capable of improving financial circumstances.
Each session:
Is interactive, experiential and designed to motivate, educate and encourage financial and personal growth.
Until next time, I wish each of you more money-wise days filled with the emotional stability which results from improved financial circumstances. Reeta
If someone forwarded this e-mail to you, be sure to register
to have your own copy e-mailed to your inbox by
clicking on "SIGN UP" at the bottom of this newsletter.
NAGFLATION
According to BuzzWhack.com, Nagflation is, “the incessant gloom-and-doom predictions from economic analysts who feel compelled to issue updates even if nothing has changed.”
Let me tell you how I deal with nagflation – First - I limit the amount of news I read or watch on the current state of the economy. Everyone knows we are in a mess, so rather than focus on the mess we are in – let’s focus on getting out of this mess.
Second, I tune-out advertisements. Advertisers now craft their ads to show just how much they “care” about people/ consumers. Their solution is to tell me how to be smart about my finances by choosing their product instead of their competitors’. Um… how do you simultaneously save while spending?
Until we make the choice to take control of our own PERSONAL financial lives, until we make the choice not to get into debt this year, until we make the choice to live within our means, until we make the choice to change our behavior - our financial health can at best stay the same, and more likely, get worse.
We need to stop listening to advertisers telling us to save big by spending our money by April of 2010, or we'll never improve our financial lives. Saving 40% on a TV, isn’t saving your family a ton of money, if you're just content with what you have...
To end on a humorous note, a few years back Saturday Night Live aired a timeless skit filled with brilliant financial advice - the simplicity of the message is Don’t Buy Stuff… Note: this is a link directly to the clip I want to show – you may need to allow pop-ups to view. Anything else on this site is not my intended message & I apologize if anyone who chooses to view other than what’s intended takes any offense for the humor… †it is Saturday Night Live, after all : )http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-stuff Enjoy!
Mark Cowell, completed his MSW at UNC- Chapel Hill. He now works as a corporate social worker in North Carolina. He has been married for 7 years and has two wonderful boys.
Mark is a Certified Financial Social Worker.
“TAKING CHARGE: of your money, your life and your future...”
If you are experiencing financial problems, challenges and stress, the Financial Social Work“TAKING CHARGE: of your money, your life and your future...” program is for YOU!
This program will teach, motivate and support you in creating sustainable, long-term financial behavioral change. Everything you need to take control of your money and gain control of your life is provided in a colorful bound workbook filled with activities and exercises that will help you to learn how to become more personally and financially successful no matter what your current circumstances may be.
As you explore your thoughts, feelings and attitudes about money, you will also learn the basics of reducing debt and building savings (assets) and how to begin healing from the many challenges associated with financial problems.
Through this process you will gain greater insight and understanding for how you got where you are and then identify where you want to be in the future. This process will allow you to develop a success plan for creating a more emotionally and financially stable future for yourself (and for your family.)
A unique self-study program for anyone experiencing financial problems, challenges and stress. To request a brochure
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Newsletter: Fall, 2009
Money Talk
Dear Readers,
During the election last year, the topic of CHANGE was endlessly bandied about. Many of us were indeed engaged by the concept of “change we could believe in.” I certainly was. One year after the near total collapse of the US economy we find, unfortunately, that change remains elusive.
While headlines are proclaiming an end to the current recession, a jobless recovery won’t change the many economic challenges so many Americans face today. For the men and women experiencing higher expenses and lower (or no) wages and living with the threat of job loss, health care loss, foreclosure, bankruptcy and homelessness, the economic data which is measured to determine a recession, or the end of a recession, has little relevance.
The national and global financial problems today require major reform which remains, unfortunately, unlikely. In our own country, the contentious debate around health care, global warming, consumer protection and banking reform, to name just a few of the key issues, demonstrates just how challenging accomplishing any level of governmental change can be. So how likely is it that we can anticipate the level of individual change that would help men and women to create sustainable, long-term financial behavioral change?
Many experts seem to believe that the current financial crisis is in the process of improving. Do you agree? I question any economic improvement that fails to take into account the impact of a jobless recovery. If anything, perhaps the economy is headed toward a "remission" but as many Americans face losing their unemployement benefits in coming months and many continue to lose their jobs or to live in fear of losing their jobs, I don't see any real "cure" in sight.
With so much financial uncertainty nationally and internationally, feelings of fear and powerlessness are rampant, as people struggle to make sense of this new world order where the loss of a job, a home, a life's savings or retirement means the loss of hopes, dreams, goals, sense of self, self-esteem and so on. This combination of emotional and financial loss is incredibly overwhelming and debilitating.
With need so high and resources so low in this country, we at the Center continue to look for ways to maintain contact and continue conversations that help and support those who want to create sustainable long-term financial behavioral change and those working to help them to do so. In this effort we urge you to:
