2020 April Articles

Credit lockdown

South Africans from all walks of life are under severe financial pressure due to the chaos the COVID19 virus has unleashed. 

Anxiety and worry are understandable emotions at this time, as we face an unknown future.  Having said this, it is also important to take control of the things we can manage, such as our immediate spending patterns.

 How to manage your credit: Flatten the credit curve:

  • Only use credit facilities if absolutely necessary;
  • Contact your credit provider or bank before using credit facilities. Ask them if any form of payment relief is offered;
  • Ask your credit provider/bank now for a reduction in the interest rate charged;
  • Only use credit for necessities;
  • Set an amount of credit to use and adhere to this limit;
  • Pay a little more than the minimum amount payable at the end of the month.

Warning against loan sharks:

Due to the present financial pressure, you could be tempted to take out loans from the formal or informal sector, but please be very careful. The long term effects of lending money are far-reaching and very costly.

Informal money lenders are alive and well in our credit landscape in South Africa.  Their no-holds-barred loan sharking will probably remain around forever, as long as there are customers.

But, be aware:

  • They prey on the more vulnerable people in our country, offering help to lift financial burdens, but in the long run these loans place huge stress and pressure on families.
  • Excessively high interest rates, ranging from between 30 – 50% interest, can be charged.
  • Once in the money lending cycle, it becomes increasingly difficult to get out of it – so try to avoid this at all costs.
  • If you want to lend money and charge interest, you must be a registered credit provider.
  • Loan sharks are also known to harass you at your place of work or home, if you fail to repay the money as required.
  • Consumers are advised to lodge a complaint with NCR (National Credit Regulator) on ncr.org.za
  • If loan sharks are threatening you, report it to the police.
2021-04-13T07:17:02+00:00

Isolated with My Abuser

We’ve been told to stay at home to keep ourselves safe, but not all of us are safe at home. Globally gender-based violence (GBV) rates increase during times of crisis – like natural disasters, wars, and pandemics. South Africa is no different. According to Police Minister Bheki Cele, the police received more than 2300 GBV complaints during the first week of lockdown in South Africa.

For many women and children, lockdown means being trapped inside with their abuser for an extended period. The consequences of this are significant. Uncertainty and anxiety leading to increased stress levels may aggravate the violence and being confined with your abuser indefinitely can intensify feelings of helplessness. Victims are no longer able to escape the violence by leaving the house, and due to a lack of privacy they are also less likely to access help during this period. In addition, overloaded healthcare systems mean that getting medical treatment if they are hurt is not always possible or that they won’t go to the hospital for fear of contracting the virus.

If someone you know is being abused

If you suspect that someone you know is being abused, make contact and check up on them regularly. Social support can go a long way to combatting isolation, even if the conversation isnt explicitly about the abuse. If they do mention the abuse, don’t judge. Listen and offer practical support, such as helpline numbers or assistance opening a case with SAPS. Remind them that it is not their fault and that help is available.

If you are being abused

You are not alone. It is best to speak to a professional from one of the organisations listed below who can offer guidance on the options that are available to you.

You will be assisted with a Safety Plan based on your specific situation. Whether you are ready to leave or not, safety planning can save your life.

Safety planning may include:

  • Memorising a list of emergency contacts
  • Always be prepared to leave – have important documents, cash, a spare car key, clothes etc. stored somewhere accessible
  • Have a safe space in the house that you can retreat to when you sense tension building
  • Check for apps on your phone that allow your abuser to monitor you in any way
  • Look into getting dangerous weapons removed from the house
  • A plan to keep yourself safe if you do decide to leave

A case can also be opened with SAPS and the courts are open during lockdown to attend to emergency cases.

Help is a phone call away:

If you are in immediate danger:  10111

The Gender-Based Violence Command Centre:

  • “Please call me” facility: *120*7867#
  • Emergency line: 0800 428 428

SADAG (South African Depression and Anxiety Group:

  • WhatsApp counselling line: 076 882 2775 (9am – 4pm)
  • Emergency line: 0800 567 567

You can also reach out to your LIfeAssist Employee Wellbeing Programme for counselling and guidance.

 

Author:  Tarryn Davisson. BA Psychology Honours. Registered Counsellor registered with the HPCSA
Sources: SADAG
Date: 6 April 2020

 

2021-04-01T08:55:27+00:00

Mental Health Wellness tips for lockdown

  1. Stick to a routine. Go to sleep and wake up at a reasonable time, write a schedule that is varied and includes time for work as well as self-care.
  2. Dress for the social life you want, not the social life you have. Get showered and dressed in comfortable clothes, wash your face, brush your teeth. Take the time to do a bath or a facial. Put on some bright colours. It is amazing how our dress can impact our mood.
  3. Get out at least once a day, for at least thirty minutes. In your garden, balcony or yard. If you are high risk or living with those who are high risk, open the windows and blast the fan. It is amazing how much fresh air can do for spirits.
  4. Find some time to move each day, again daily for at least thirty minutes. If you don’t feel comfortable going outside, there are many YouTube videos that offer free movement classes, and if all else fails, turn on the music and have a dance party!
  5. Reach out to others, you guessed it, at least once daily for thirty minutes. Try to do FaceTime, Skype, phone calls, texting—connect with other people to seek and provide support. Don’t forget to do this for your children as well. Set up virtual playdates with friends daily via FaceTime, Facebook Messenger Kids, Zoom, etc—your kids miss their friends, too!
  6. Stay hydrated and eat well. This one may seem obvious, but stress and eating often don’t mix well, and we find ourselves over-indulging, forgetting to eat, and avoiding food. Drink plenty of water, eat some good and nutritious foods, and challenge yourself to learn how to cook something new!
  7. Develop a self-care toolkit. This can look different for everyone. A lot of successful self-care strategies involve a sensory component (seven senses: touch, taste, sight, hearing, smell, vestibular (movement) and proprioceptive (comforting pressure). An idea for each: a soft blanket or stuffed animal, a hot chocolate, photos of vacations, comforting music, lavender or eucalyptus oil, a small swing or rocking chair, a weighted blanket. A journal, an inspirational book, or a mandala colouring book is wonderful, bubbles to blow or blowing watercolour on paper through a straw is visually appealing as well as work on controlled breath. Mint gum, Listerine strips, ginger ale, frozen Starburst, ice packs, and cold are also good for anxiety regulation. For children, it is great to help them create a self-regulation comfort box (often a shoe-box or bin they can decorate) that they can use on the ready for first-aid when overwhelmed.
  8. Spend extra time playing with children. Children will rarely communicate how they are feeling, but will often make a bid for attention and communication through play. Don’t be surprised to see therapeutic themes of illness, doctor visits, and isolation play through. Understand that play is cathartic and helpful for children—it is how they process their world and problem solve, and there’s a lot they are seeing and experiencing in the now.
  9. Give everyone the benefit of the doubt, and a wide berth. A lot of cooped up time can bring out the worst in everyone. Each person will have moments when they will not be at their best. It is important to move with grace through blowups, to not show up to every argument you are invited to, and to not hold grudges and continue disagreements. Everyone is doing the best they can to make it through this.
  10. Everyone find their own retreat space. Space is at a premium, particularly with city living. It is important that people think through their own separate space for work and for relaxation. For children, help them identify a place where they can go to retreat when stressed. You can make this place cozy by using blankets, pillows, cushions, scarves, beanbags, tents, and “forts”. It is good to know that even when we are on top of each other, we have our own special place to go to be alone.
  11. Expect behavioural issues in children, and respond gently. We are all struggling with disruption in routine, none more than children, who rely on routines constructed by others to make them feel safe and to know what comes next. Expect increased anxiety, worries and fears, nightmares, difficulty separating or sleeping, testing limits, and meltdowns. Do not introduce major behavioural plans or consequences at this time—hold stable and focus on emotional connection.
  12. Focus on safety and attachment. We are going to be living for a bit with the unprecedented demand of meeting all work deadlines, homeschooling children, running a sterile household, and making a whole lot of entertainment in confinement. We can get wrapped up in meeting expectations in all domains, but we must remember that these are scary and unpredictable times for children. Focus on strengthening the connection through time spent following their lead, through physical touch, through play, through therapeutic books, and via verbal reassurances that you will be there for them in this time.
  13. Lower expectations and practice radical self-acceptance. This idea is connected with #12. We are doing too many things in this moment, under fear and stress. This does not make a formula for excellence. Instead, give yourself what psychologists call “radical self-acceptance”: accepting everything about yourself, your current situation, and your life without question, blame, or pushback. You cannot fail at this—there is no roadmap, no precedent for this, and we are all truly doing the best we can in an impossible situation.
  14. Limit social media and COVID conversation, especially around children. One can find tons of information on COVID-19 to consume, and it changes minute to minute. The information is often sensationalized, negatively skewed, and alarmist. Find a few trusted sources that you can check in with consistently, limit it to a few times a day, and set a time limit for yourself on how much you consume (again 30 minutes tops, 2-3 times daily). Keep news and alarming conversations out of earshot from children—they see and hear everything, and can become very frightened by what they hear.
  15. Notice the good in the world, the helpers. There is a lot of scary, negative, and overwhelming information to take in regarding this pandemic. There are also a ton of stories of people sacrificing, donating, and supporting one another in miraculous ways. It is important to counter-balance the heavy information with the hopeful information.
  16. Help others. Find ways, big and small, to give back to others. Support restaurants, offer to grocery shop, check-in with elderly neighbours, write psychological wellness tips for others—helping others gives us a sense of agency when things seem out of control.
  17. Find something you can control, and control the heck out of it. In moments of big uncertainty and overwhelm, control your little corner of the world. Organize your bookshelf, purge your closet, put together that furniture, group your toys. It helps to anchor and ground us when the bigger things are chaotic.
  18. Find a long-term project to dive into. Now is the time to learn how to play the keyboard, put together a huge jigsaw puzzle, start a 15 hour game of Risk, paint a picture, read the Harry Potter series, binge watch an 8-season show, crochet a blanket, solve a Rubix cube, or develop a new town in Animal Crossing. Find something that will keep you busy, distracted, and engaged to take breaks from what is going on in the outside world.
  19. Engage in repetitive movements and left-right movements. Research has shown that repetitive movement (knitting, colouring, painting, clay sculpting, jump roping etc) especially left-right movement (running, drumming, skating, hopping) can be effective at self-soothing and maintaining self-regulation in moments of distress.
  20. Find an expressive art and go for it. Our emotional brain is very receptive to the creative arts, and it is a direct portal for the release of feelings. Find something that is creative (sculpting, drawing, dancing, music, singing, playing) and give it your all. See how relieved you can feel. It is a very effective way of helping kids to emote and communicate as well!
  21. Find lightness and humour in each day. There is a lot to be worried about, and with good reason. Counterbalance this heaviness with something funny each day: cat videos on YouTube, a stand-up show on Netflix, a funny movie—we all need a little comedic relief in our day, every day.
  22. Reach out for help—your team is there for you. If you have a therapist or psychiatrist, they are available to you, even at a distance. Keep up your medications and your therapy sessions the best you can. If you are having difficulty coping, seek out help for the first time. There are mental health people on the ready to help you through this crisis. Your children’s teachers and related service providers will do anything within their power to help, especially for those parents tasked with the difficult task of being a whole treatment team to their child with special challenges. Seek support groups of fellow home-schoolers, parents, and neighbours to feel connected. There is help and support out there, any time of the day—although we are physically distant, we can always connect virtually.
  23. “Chunk” your lockdown, take it moment by moment. We have no road map for this. We don’t know what this will look like in 1 day, 1 week, or 1 month from now. Often, when I work with patients who have anxiety around overwhelming issues, I suggest that they engage in a strategy called “chunking”—focusing on whatever bite-sized piece of a challenge that feels manageable. Whether that be 5 minutes, a day, or a week at a time—find what feels doable for you, and set a time stamp for how far ahead in the future you will let yourself worry. Take each chunk one at a time, and move through stress in pieces.
  24. Remind yourself daily that this is temporary. It seems in the midst of this quarantine that it will never end. It is terrifying to think of the road stretching ahead of us. Please take time to remind yourself that although this is very scary and difficult, and will go on for an undetermined amount of time, it is a season of life and it will pass. We will return to feeing free, safe, busy, and connected in the days ahead.
  25. Find the lesson. This whole crisis can seem sad, senseless, and at times, avoidable. When psychologists work with trauma, a key feature to helping someone work through said trauma is to help them find their agency, the potential positive outcomes they can effect, the meaning and construction that can come out of destruction. What can each of us learn here, in big and small ways, from this crisis? What needs to change in ourselves, our homes, our communities, our nation, and our world?

 

Source: Dr. Eileen Feliciano. PsyD, Clinical Psychologist

2021-03-31T10:49:31+00:00
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