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Financial and crisis counsellors are reporting the highest rates of mental distress they have seen as a growing number of Australians cancel appointments with their psychologists to cut costs.
According to suicide prevention organisation Lifeline, up to 80 per cent of its calls now relate to cost-of-living pressures, with a new group of middle-class people feeling the pinch of rising inflation, mortgage repayments, food and fuel costs, and electricity bills.
Evie has complex post-traumatic stress disorder, but can only afford to see a psychologist four times a year. Credit: Dion Georgopoulos
There have been 8000 more calls to the National Debt Helpline during the first three months of this year compared with the same period last year, representing a 30 per cent increase.
Since June, Carly Dober, a director of the Australian Association of Psychologists based in Melbourne, has experienced a threefold rise in patients cancelling or postponing appointments because they can’t afford them. She said this was a wider trend being observed by many other psychologists.
“It’s families, young people, couples, individuals,” she said. “More people are forgoing or delaying vital support due to financial stress.”
She said research consistently showed that financial stress was a key risk factor for suicide. “Prolonged stress is terrible for the body,” she said.
“It can impact heart rate, blood pressure. It can lower your immunity levels, it can give you headaches and lead to depression, anxiety, panic symptoms and suicidal ideation. This is not because people have an existing or history of mental illness but because people can feel so hopeless.”
Dober said cost-of-living pressures were making some people feel like failures.
“They grew up hearing about how their parents and grandparents worked in one job where one wage would sustain the family,” she said.
“They are working, they have done everything right, they have sometimes gone to university, and they are struggling to make ends meet”
Research has found COVID-19 exacerbated and created mental distress, particularly among the young. Data from the Coroners Court of Victoria and NSW Health shows that suicide numbers are now increasing after remaining relatively stable throughout the pandemic.
Claire Tacon, assistant director of financial counselling at the Consumer Action Law Centre, said a new demographic of fully employed people who had never experienced financial problems before were phoning the National Debt Helpline.
She said rent and mortgage repayments had overtaken credit card and energy bills as the main reason people sought help.
“Previously, everyone had a story … their marriage may have broken down, or they stopped work to care for a parent or partner,” she said.
“Now, there is often no backstory. It’s because interest rates have gone up, cost of living has gone up, and their incomes have stayed the same.”
Anne Holmes, a financial counsellor at Lifeline in NSW, said the organisation had encountered a “huge spike” in demand over the past year, and higher rates of mental distress than she had seen among callers during her 25-year career.
“We always ask people if they are safe [and] if they have thoughts of harming themselves,” she said. “The rate of [people answering] ‘Yes, I have had these thoughts’ has gone up.”
Holmes said a growing number of people were behind on their strata, body corporate and council rates, while people were also finding themselves in trouble after they had stopped paying for car insurance and had an accident.
There was an almost 50 per cent increase in the number of Lifeline crisis operators seeking referrals related to financial issues and homelessness between July and January.
Evie recently moved into a granny flat at the back of her friend’s house with her seven-year-old son because she could not afford to rent in the private market., Credit: Dion Georgopoulos
Evie, who doesn’t want to disclose her surname for privacy reasons, has been diagnosed with complex post-traumatic stress disorder and would like to see her psychologist every month. But the out-of-pocket cost of $100 a session means she can afford to see him only four times a year.
“I need to heal the trauma,” said Evie, who is a sexual assault survivor.
The single mother, who works as a lecturer at a community college in southern Sydney, said she had a decent wage but was struggling to make ends meet.
Bill and Bridget Schulz are struggling to make ends meet.
She recently moved into a granny flat at the back of a friend’s house with her seven-year-old son because she could not afford her previous weekly rent of $560 in Wollongong’s private rental market.
“I constantly feel like I am doing maths in my head,” she said. “I didn’t register my car last month. This is really stressful as a single parent.”
Pensioner Bill Schulz, from Drouin in country Victoria, is also worried about rising costs. He is a carer for his wife, Bridget, who in 2021 was diagnosed with lung cancer and given five years to live.
Their rent amounts to half their income, which is about $1800 a fortnight. They are expecting another rent rise in July. That leaves them with less than $65 a day to cover the cost of everything else: food, electricity, gas, water, phone bills, fuel, insurance and registration.
“We’ve got to keep my wife’s medication going, that’s vitally important, but then you turn around and think, ‘Oh, what are we having for dinner tonight?’”
Schulz started his first full-time job as a boilermaker in 1962, well before superannuation was made mandatory in Australia. He worked in the Defence Force for more than a decade and was employed as a shop steward before he retired at 65.
“I’ve done my share to help the country, and my wife has worked hard for the country as well,” he said.
Federal Health Minister Mark Butler said many Australians were feeling cost-of-living pressures and mental health help was available through primary health network services and crisis phone lines.
He said the government was spending about $6.9 billion on mental health and suicide prevention services this financial year.
Earlier this year, the Commonwealth cut the number of Medicare-subsidised psychology sessions from 20 to 10, which was the level before the pandemic.
Butler said the additional sessions during the pandemic had limited the availability of psychologists for new patients, put pressure on the supply of mental health services and increased costs for patients.
“We are not shying away from developing and implementing a more equitable and sustainable Better Access program and broader mental health system – one based on the evidence – and that ensures no one is left behind,” he said.
If you or anyone you know needs support, call Lifeline on 131 114 or Beyond Blue on 1300 224 636.
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