How To Help Someone Who’s Struggling Financially
How To Help Someone Who’s Struggling Financially
Laura Woods Mon, September 20, 2021
Someone you know is in the midst of financial hardship, and you’re not about to sit back and watch them struggle. You want to intervene, without overstepping, but you’re not sure what that looks like.
Approximately one-quarter (27%) of U.S. adults are frequently concerned about paying their bills, according to a 2021 survey conducted by the Pew Research Center. Additionally, 19% worry almost every day about paying their rent or mortgage, while 18% are anxious about their ability to buy enough food for their household.
Clearly, the person you know is not alone with their money issues, but thanks to you, a reprieve may soon be headed their way.
However, before you make a commitment to help, Marcy Keckler, senior vice president, marketing and financial advice strategy at Ameriprise Financial, advised assessing your own situation, making sure you’re still able to reach financial goals, such as saving for retirement.
Additionally, she encouraged you to get on the same page regarding the financial assistance.
“You should determine if you are giving a gift or providing a loan,” she said. “Making sure this is clear and agreed upon before support is given will likely protect the relationship in the future.”
Keckler emphasized the importance of clear communication, as money can be a sensitive topic among friends and family.
“Honest and open communication is key to avoiding misunderstandings that could harm your relationship down the line,” she said.
As for how to broach the subject, Jodi RR Smith, president of Mannersmith Etiquette Consulting, based in Marblehead, Massachusetts, said to wait and see if the person experiencing financial difficulties brings it up.
“It could be they are not ready or do not wish to talk about the situation,” she said. “Next, provide space for them to discuss — ‘Pat, it is great to see you. I heard some rumblings and wanted to check in to see how you are doing…'”
However, if you don’t get very far with this approach, know when to stop.
“Do not presume they wish to talk about the situation with you,” she said. “And that is their choice, you need to respect their privacy.”
To continue reading, please go to the original article here:
https://finance.yahoo.com/news/help-someone-struggling-financially-110242222.html
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