Financial Counsellors Conference

Financial Counsellors Conference

Financial Counsellors of WA Conference Whats Mine is Mine and whats Yours is mine also! Presenters: Kedy Kristal & Angela Hartwig, WCDFVS Monday 23rd October, Duxton Hotel, Perth Acknowledgement Traditional Owners We respectfully acknowledge the past and present Traditional Owners of this Land the Wadjuk People of the Noongar Nation. The Womens Council recognizes their continuous connection to the Land, Waters and Community and pays their respects to Elders past, present and future. Flags: Mr Harold Thomas and Mr Bernard Namok Acknowledgement of Lived Experiences The impact and prevalence of Domestic and Family Violence in our society, means it is and likely that everyone in the room has been affected or knows someone who has been affected by this issue. We would like to take a moment to acknowledge the

courage, strength and resistance it has taken for individuals to survive violence and abuse. If you feel at any time you need to leave the room and take some time out please feel free to do so. Womens Council for Domestic & Family Violence Services (WA) The Womens Council for Domestic and Family Violence Services (WA) is a state wide peak organisation committed to improving the status of women and children in society and operates from a feminist perspective. The peak body has a number of functions which include: Representation on policy and decision making boards;

Advocacy at the National and State level through committees and advisory bodies on behalf of its members; Community education and training; Consultation & Engagement; Events & Seminars; Fact sheets and newsletters; Research and training for practitioners in the field; and Information and referral for victims Continued 60 services (from Kununurra through to Esperance and

throughout the metropolitan region) Promoting Safety and Respect Project (PRP) Promote and undertake respectful relationship education and a Train the Trainer Program Keeping Kids Safe Project-supporting Child Advocates in Refuges Annual Silent Domestic Violence March to honour and pay respect to victims International Womens Day Sparkling High Tea, Funds for Freedom Project

WESNET, AWAVA, WA Ombudsmans Fatality Review, WA Family Violence Governance Council, Domestic Violence Advisory Network and the WA Safe Systems Coalition, TOYBANK Economic Abuse is Domestic Violence It doesnt matter what you call it Financial Abuse IS Family and Domestic Violence Economic Abuse Financial Control Economic Violence Its where your (ex)partners actions damage you financially and stops you being economically independent (Weaver, Sanders, Campbell, & Schnabel, 2009) i.e. money, housing, basic needs, job, super, savings, choice, confidence, life goals. Like other forms of family violence, economic abuse is a gendered issue. The majority of victims are women, and the majority of perpetrators are men (Corrie & McGuire, 2013)

Types of Domestic Violence Physical Abuse Emotional Abuse Coercive and controlling behaviours Pet Abuse Verbal Abuse Sexual Abuse

Stalking Spiritual and Cultural Abuse Technological Facilitated abuse Post separation violence Spousal and Family Homicide

Financial Control & Abuse Why should we be concerned about economic abuse?? Historically, attention has focused primarily on: Physical violence Psychological and verbal abuse Sexualized violence Stalking and harassment

This presentation aims to raise awareness that economic abuse is a key form within a domestic and family violence context; and part of the tactics used by a perpetrator to maintain power and control and hold women and children financially dependent and often trapped within the relationship. Elder Abuse The World Health Organization estimates the rate of Elder Abuse at 2-14% . Advocare in WA estimates 1 in 20 older persons will experienced Elder Abuse. Financial abuse is the most commonly reported form of Elder Abuse, between 70-80% of reports.

Abuse includes , incurring bills in the older persons name, stealing money/belongings, abusing power of attorney, forcing someone to sign a will, contract or power of attorney, living with an older person and not paying for expenses, refusing to repay a loan, failing to care for someone after agreeing to do so in exchange for money/property. Impact on community In 2008-9 violence against women and their children was estimated to cost the Australian economy $13.6 billion. It is expected by 2021-22 the cost will rise to $15.6 billion. The costs are associated with loss of productivity in the work place and increased demands on health, welfare, housing, crisis and legal/statutory services.

Two women are killed every week in Australia by a partner or expartner. WA Police attended 59,408 Domestic Violence incidents in 2015/16. This is 147 DV incidents per day. 20% of women experiencing domestic violence report to the police. The most dangerous time for women and children is the period immediately after leaving. This is when the risk of homicide is at its greatest. Domestic and family Violence is the single largest driver of homelessness

For Love or Money Watch an example of Financial Abuse For Love or Money YouTube (7 mins 9) Control/Click on the link below iMcviUlMb8 For Love or Money is a film that sets out to not only name and unpack 'financial abuse' as a form of violence against women but aims to open up dialogue about healthy financial relationships. The film supports the prevention of violence against women and promotes women's financial security. Womens Health In the North [WHIN]. (2015, October 20). For love or money [Video file]. Retrieved from Identifying the abuse Women may not be aware that the financially controlling behaviours they experience are abusive; it is only when women leave relationships, and begin the process of financial settlements for divorce, that this becomes more obvious.

Sharp-Jeffs 9 found that about half of the women who experienced economic abuse did not recognize it as such from the beginning. Therefore, it is not surprising that the peak for economic abuse also coincides with the median age for divorce which, in Australia, was 45.2 years for men and 42.5 years for women in 2014 Statistics It is estimated that one in three Australian women will experience family violence in their lifetime it is conservatively estimated that economic abuse occurs in at least 50 per cent of domestic and family violence cases. That means roughly two million women in Australia are victims of family violence

The highest rates of economic abuse for women was in the 40-49 and 50-59 years groups. But its still not an Equal Race Australian women still face an uphill battle Australian Human Rights Commission. (2014). Gender equality: Face the facts [Fact sheet]. Retrieved from Stats and Facts : Women and Men Note. Adapted from Economic abuse between intimate partners in Australia: Prevalence, health status, disability and financial stress, by J. Kutin, R. Russell, and M. Reid, 2017, Australian and New Zealand Journal of Public Health, 41(3), p. 269-274. Copyright 2017 The Authors. 2012 ABS Personal Safety Survey (PPS) The PPS is the only Australian population survey that currently includes questions on economic abuse.

The PPS asks 15 questions about emotional abuse of which 5 relate to economic abuse. The populationweighted prevalence of economic abuse between intimate partners was 11.5%, the prevalence for women was 15.7% more than double that of men 7.1%. The most common economic abuse was damage to or theft of property (men 4.7% and women 9.6%) followed by stopped access to or knowledge about household money (men 2.7% and women 8.8%). Stats and Facts: Conservative Estimate % of women who experience financial in Australia Note. Adapted from 3235.0 - Population by age and sex, regions of Australia, by Australian Bureau of Statistics [ABS], 2012. Copyright 2012 Commonwealth of Australia. Also adapted from Economic abuse: Searching for solutions, by T. Corrie and M, McGuire, 2013. Copyright 2013 Good Shepherd Youth and Family Service and Kildonan UnitingCare.

90 80 70 60 50 40 30 20 10 0 % in

t en m oy l p em n io t ca u ed % ng vi i d e ai

ec pBefore meeting abuser R In % efi n be ts % h it W s ng i v sa

t di e cr n While with labuser oa h it W % . .. d er ov % h it

W nt re s ar e r ar h it w r he t o After leaving % abuser Before, During and After What Happens to Women Financially?

In 2008 a researcher Nicola Sharp surveyed UK women who had been financially abused to find out what happened to them over s bt e d Women and financial abuse Almost one third of participants (30%) reported that after leaving the relationship they were unable to pay for essentials such as food, clothing or rent (Cameron, 2014) After leaving the relationship, nearly half of the survey respondents had an annual income of less than $40,000 and one in five were earning an annual income of less than $20,000 (Cameron, 2014) Cameron noted that despite most women having primary custody of

children, the vast majority received less than half of the property in settlement (Russell, Stewart, Kutin, & Rankin, 2016). ANROWS October 2015 ANROWS produced an additional analysis of the ABS Personal Safety Survey, Employment and financial impacts 1 in 4 employed women who experienced physical assault by a male cohabiting partner took time away from work as a result of their most recent incident of assault, and over half a million (seven out of 10 women who experienced violence in a previous relationship) abandoned property or assets when they moved away after a violent relationship ended. RMIT University researchers analyzed ABS data that identifies, for the first time, the extent of economic abuse in Australia. The ABS defined economic abuse when a partner: 1. 2. 3.

4. stopped or tried to stop you knowing about or having access to household money stopped or tried to stop you from working, earning money, or studying deprived you of basic necessities (such as food, shelter, sleep, assistive aids) damaged, destroyed or stole any of your property. The researchers included an additional item: stopped or tried to stop you from using the telephone, internet or family car. ABS did ask respondents if these tactics were used to prevent or control your behaviour with the intent to cause you emotional harm or fear. Economic abuse, like other forms of intimate partner violence, is a pattern of behaviour, which often starts with seemingly innocuous or caring behaviours. The researchers were also interested in which factors were significantly associated with economic abuse. They found that 63% of women who were experiencing high financial stress and 24% of women who had a disability or longterm health condition had a history of economic abuse, compared to the population average of 15.7%. The research identifies significant challenges for prevention strategies. Victims are unlikely to see themselves as victims, and are unlikely to identify with domestic violence services or websites unless other forms of abuse are occurring.

Family Violence Restraining Orders 2017 The new Family Violence Restraining Order legislation and the current Family Law Act identifies three types of behaviour as Domestic and Family Violence involving economic abuse. 1 Damaging or destroying property of the family member 2 Unreasonably denying the family member the financial autonomy that the member would otherwise have had 3 Unreasonably withholding financial support needed to meet the reasonable living expenses of the family member, or a child of the member, at a time when the member is entirely or predominately dependent on the person for financial support Economic Abuse Economic Control

Economic Exploitation Employment Sabotage . Economic Abuse after Separation Financial hardship and dependence are significant barriers to leaving an abusive partner. Economic Control Deny you money for basic needs Spend money on his treats.

Refuse to pay bills Unilaterally setting an inadequate figure to cover household costs Empty bank accounts and hide bills Hide financial information Require you to account for all money spent

Running up debt in your name Forging papers/ bank accounts Coercing a person to claim social security payments Economic Exploitation Destroy/damage mutually owned property or that of your children Steal, sell or give away your/childrens property Cancel utilities connections/put utilities connection in your name only

Destroy your credit and/or denying you credit access Fail to pay insurance on house, car and other assets Cancel insurance and/or credit cards Using joint funds to gamble Economic abuse can be linked to car ownership, when perpetrators incur traffic and parking fines in vehicles registered in their partners name. Employment Sabotage

Denys access to internet, assistive aids, phone or family car Refuse to work /refuse to help with children and housework Refuse to let you work or study Make it difficult /impossible to study at exam time Try to get you fired through harassing/stalking you at your workplace and/or sending vexatious emails to your Employers Economic Abuse after Separation

Refusing to provide clothes/food/ necessities when caring for children Prolonging Family Court matters Refusing to sign property settlements Bribery of children. Coercive Control A purposeful and deliberate pattern of behavior over months and years, not a one off event. Often the tactics used are not criminal. Isolating a person from their friends and family

Control of all aspects of life . (such as where they can go, who they can see, what to wear and when they can sleep). Constant humiliation and demonstrations of their superiority and sense of entitlement Enforcing trivial demands, and deprivation of basic needs Inducing physical and emotional exhaustion Occasional indulgence

Enforcing rules and activity which humiliate, degrade or dehumanise the victim Monitoring their time, including via online communication tools Question for consideration.. How would financial counsellors deal with identifying DFV dynamics when faced with dealing within a couples setting? How would you respond to this situation to keep a woman safe? The 2013 National Community Attitudes towards Violence Against Women Survey The 2013 NCAS involved more than 17,500 twenty-minute telephone interviews with a cross-section of Australians aged 16 years and older.

This is the third survey of its kind, with the first undertaken in 1995 and the second in 2009. The research investigates four key areas: community knowledge of violence against women attitudes towards violence against women attitudes towards gender roles and relationships

responses to witnessing violence and knowledge of resources Community knowledge of violence against women Certain behaviours are a form of partner violence/violence against women (% agree) Tries to control by denying partner money: In 1995 62% agreed 2009; 71% agreed; 2013 70 % agreed This indicates that 30% did not view denying partner money was a form of violence. Perceived main cause of violence (%) The belief that men should be in charge of the

relationship18% agreed. Some men being under financial stress 13% agreed What does economic security mean to Having enough money in hand and in the bank to cover basic needs you...? Being able to train for and work in well paid jobs When women have to pay for things the cost of these should be reasonable and fair i.e. not huge % interest on loans or asked to pay too much for purchases When things go wrong women need enough saved money/assets to cover these financial shocks

Having stable, safe houses that we can afford on our income Women have the right to a fair standard of living when we retire we should not be living in poverty when we get older 34 Economic Empowerment Pilot Project The project involves the development of an evidence-based specialist financial literacy program for women who have experienced domestic violence in WA The program will be adapted for Australian conditions and developed, trialled and evaluated through a research partnership between Curtin University, WA Womens Council for Family and Domestic Violence, funded by the Office for Women

The program will involve a process of training the trainers whereby Refuge and Outreach staff are trained and then deliver the program to women receiving Refuge or community services. The program will also build on existing sources of support such as current financial counselling services and relevant consumer credit and legal services. It is proposed that the program will be piloted and evaluated in the metropolitan area The Economic Empowerment Project Aims to help women cope with economic abuse when they leave, to deal with urgent financial hardship and empower women to reach economic independence. With thanks for permission to use from Good Shepherd Australia New Zealand - Corrie, T. (2016). Economic security for survivors of domestic and family violence: Understanding and measuring the impact. Abbotsford, VIC: Shepherd Australia New Zealand. Retrieved from Economic Empowerment Project

Two models have been written . Financial First Aid and Financial Literacy. 12 from three Refuge services, includes one Aboriginal Refuge have been trained. A proposal to roll out the program to women from Culturally and Linguistically Diverse backgrounds who have experienced Domestic and Family Violence is being considered. Money is emotionally potent Money can be a powerful driver in How we feel about ourselves and others How we manage our relationships How we behave financially

Acknowledgements With thanks to WIRE Womens Information Victoria: Purse Project for permission to use material from their training resources Economic Abuse Floods this Pyramid Physical It damages a womans ability to meet her own and familys basic needs for food, clothing shelter, warmth, medicine Safety and Security She can be assaulted or threatened into signing loans, hand over her pay, she may be shamed or scared into signing over assets, paying her partners debts, her property/possessions destroyed. Love and Belonging She may denied the means to join in, to be part of her community and family, be refused transport, phone, computer etc that that let her connect with others Esteem Self Esteem Her strengths and efforts in juggling money may be criticised, ignored, made fun of until she loses all faith in herself. Spending on herself called selfish or greedy and she may have to beg for money. Her training and paid work may be sabotaged, Her career unimportant or seen as a challenge to her partners position/power. Fulfilment, Dreams & Goals Dreams and Aspirations are Not Her Place.. This program aims to turn this around! Note. Adapted from Maslows Hierarchy of Needs, by A.H. Maslow, 1954, Motivation and personality. Copyright 1954 by Harper & Row, What would you like your future to look

like? Visioning a change thats really worth Fulfilment, Dreams & Goals something to you Experiencing your dreams, spirituality, enlightenment, your potential, self- fulfilment, goals, finding your lifes meaning (self actualization) Esteem Self Esteem Self- respect, respect from others, achievement, talents Being valued, contributing, independence, Love and Belonging Caring, affection, support and love, from family, friends, Partners, kids, co- workers, community Safety and Security Protection, security, order, stability, freedom from fear. Physical Food, drink, shelter, warmth, sleep Note. Adapted from Maslows Hierarchy of Needs, by A.H. Maslow, 1954, Motivation and personality. Copyright 1954 by Harper & Row, Publishers, Inc.

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