???Money is what makes the world go 'round, but a lack of it can force individuals into a spiral of silence and isolation.
???In the current financial climate, people are experiencing job losses, housing foreclosures and loss of their life savings. When people experience financial crises, they will often isolate themselves, according to Denise Krause, associate dean for community engagement in the graduate School of Social Work.
???Krause believes there are two reasons why friends and family members isolate themselves during a financial crisis.
???"Many people are uncomfortable talking about money because it's a comparison of themselves to others, it can be difficult to be 'the poor one' or 'the rich one' in a group," Krause said. "Another reason is that people may be embarrassed and fear that others will judge them [based on their financial situation]."
???Money represents self-sufficiency, autonomy and success to people, Krause explained. When people do not have money, they do not have access to these feelings and often suffer from shame, guilt and embarrassment as a result.
???"We need to prevent people from avoiding their financial crisis as if it wasn't there, and get their feelings out in the open," Krause said.
???If individuals are hesitant to approach others about their financial crunch, friends and family must reach out to them, Krause explained.
???Krause offered several tips about how to reach out to friends and family members experiencing a financial crisis.
???Family members must make themselves available, Krause explained. They must be nonjudgmental and accept the person's feelings, even if they disagree. Simply listening and showing support can be very beneficial to a person in a financial crisis.
???Offering to help him or her and following through a financial crisis can be a huge assistance. However, the information is very personal and should not be shared with others, Krause explained. Telling others may make the person's situation worse.
???Krause stated that the person might release angry and frustrated feelings during the conversation.
???If the person is in "way too deep," friends and family members should suggest professional help, Krause explained.
???The importance of preventing isolation is great because isolation often leads to depression and other serious matters, such as suicide.
???These tips are helpful in aiding individuals caught in tough financial matters, and hopefully may decrease their chances of isolating themselves from friends, family and loved ones.
???Krause also suggested that students in need of help can visit UB's Counseling Services located at 120 Richmond Quadrangle.
Photo: Courtesy of Laron Fomby
