Many people complain about their burdening debt or low income in a way that makes it obvious that they need help with their finances. But when they are confronted about their spending habits or asked about how much they save per month, they shy away from the questions. It seems that in order to help people out of their money problem, they must first admit that they have a problem in the first place.

It’s hard to admit that there’s a problem because it leads to questions about what happens in the future. If an employee loses his job, how many months can he survive on his savings? what if his loan doesn’t get approved? What if his loan defaults? These are questions not a lot people will want to face.

On the other hand, there are questions that can wake the person up to his strengths. What are his biggest assets? What are his qualifications? What’s the market value of his home and car? These will help the person realize that he actually has more in his life than he previously thought.

Once he has admitted his financial faults and is considering help, this would be a good time to approach friends and family. Many of them won’t be bothered to help, but even a few can help the person get by a few months. There will be many more months of reassessments and tough financial decisions, but all of these come with the territory of assessing the employee’s financial standing.