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Money, Money, Money - It’s not funny … in a Gamblers World “dreams v reality”

Problem Gambling National Provider Forum 2009. Money, Money, Money - It’s not funny … in a Gamblers World “dreams v reality”. With Carol Biggam and Alecia Browne The Gambling Debt Helpline. Session Overview. Today, we will focus on : Dreams v Reality in relation to money & debt

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Money, Money, Money - It’s not funny … in a Gamblers World “dreams v reality”

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  1. Problem Gambling National Provider Forum 2009 Money, Money, Money -It’s not funny …in a Gamblers World“dreams v reality” With Carol Biggam and Alecia Browne The Gambling Debt Helpline

  2. Session Overview • Today, we will focus on: • Dreams v Reality in relation to money & debt • How Lenders and Advertisers can influence gamblers • Loans – the real costs • The Significant or Affected Other • Gambling Debt Helpline - What do we do?

  3. Fantasy v Reality Gambling related money problems • Frequent crises around money and debt • “Quick Fixes” • Distorted thinking / Emotional turmoil

  4. What this can mean … • Escape  Ambivalence • Dream  Denial • Power  Powerlessness • Depression  Hopelessness • Sex  Prostitution • Borrowing  Taking / theft • Life ? Death

  5. Cultural Considerations … • For some cultures, there are additional pressures or considerations … • tithing / church obligations • family shame • Language barriers

  6. Credits Cards – so easy to get – so hard to repay They tell you … “A credit card is an essential Financial aid” Get cash when you need it You get extra spending power (!) “we are pleased to increase your credit limit: ? (dream) The Reality There are Hidden costs The Small print – penalties on defaults Spending power costs you dearly You can keep gambling using your credit card At what cost? apply Today! Apply on-line Now!

  7. Other Money deals & offers

  8. Reeling you in … offering you $$$$

  9. Lenders Language (hooking us in) • Small print= • sign first, read later • high interest • Penalties • More Penalties 

  10. Oh dear, what now ?

  11. What about Significant Others ? • Escape  Ambivalence • Power  Powerlessness • Depression Hopelessness • Anger  Denial • Rescue by Paying gambler’s debts • Loss of Trust in relationships

  12. Significant Others need • To … understand the reality and implications of their partner’s (or family members) financial situation • In order that they can take action … To protect their financial rights / assets • They need information on implications of debt • Significant Others need • support and encouragement • to take positive action for Themselves

  13. The GDH Model (in brief) Seeking help  Choices / empowerment Looking at Options for client Safety The model is used with Gamblers and Significant Others

  14. Our Message to You … There are hidden “Costs” in borrowing Reassure clients there IS a way out (of financial difficulties) …there are options; • Encourage them to seek further help with their finances from: GDH (Gambling Debt Helpline)CAB (Citizens Advice Bureau) Family Budgeting services Community Law offices

  15. We can also offer • Trained Gambling / Financial Counsellors and cultural training to other agencies • Education around legal and consumer issues • Networking and on-going support to clients and counsellors

  16. Contact Details Alecia Brownealecia.browne@gamblingproblem.co.nz Carol Biggamcarol.biggam@gamblingproblem.co.nz Phone: 0800 654 658 (limited hours)

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