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USING MONEY AND FINANCES TO MANIPULATEMARY BETH BECKER-LAUTH, CRISIS RESOURCE ADVOCATE
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Let's take a collective breath together.
Poll: How would you describe your current knowledge level regarding financial abuse?
More about box breathingRead more about how diversity and Black Lives Matter intersects with domest ic violence work here
Overview of the next 90 minutes
Feel free to use the chat box to add any comments or responses to our questions. Use the
Q&A feature to ask any questions anytime during the presentation! A PDF of the slides will be
emailed to you after the presentation is complete.
Financially manipulative
behaviors
Warning signs
Lasting impact
COVID-19 Considerations
Financial safety
planning & resources
Financial empowerment
A legacy of advocacy
since 1972Mission:
Women’s Advocates walks with victim survivors and our
community to break the cycle of domestic
violence.
Learn more about our history here
Poll: Describe your role in the community
Follow the Getting to Know Women's
Advocates Blog Series
Watch our webinar on the impact of domestic violence on mental health
Definitions
Domestic Violence
An intentional and systematic patternof physical and psychological abuse, threats, intimidation, isolation or economic coercion used by one person to exert power and control over another person in the context of a dating, family or household relationship.
Sexual Violence
Any sexual act or attempt to obtain a sexual act, or unwanted sexual comments or acts to traffic, that are directed against a person’s sexuality using coercion by anyone, regardless of their relationship to the victim, in any setting, including at home and at work.
Source
Source
Learn More!Webinar on int imate partner violence
Webinar on family violence
Financial Abuse is one of many forms
of domestic violence
Verbal Emotional Using Children Culture Financial
Intellectual Pets & Property Power & Control Reproductive Spiritual
Physical/Stalking Psychological Sexual Social Digital
No form is worse than another. Multiple forms can be used in a day, in a lifetime, or just one.
Click on the link
in each box to learn more
Know Financial Abuse | Allstate Foundation
Video Link Poll: What do you currently associate with the term "financial abuse"?
Economic Abuse
When an abuser takes control of or limits access to shared or individual
assets or limits the current or future earning potential of the victim as a
strategy of power and control.
The abuser separates the victim from their own resources, rights and
choices, isolating the victim financially and creating a forced dependency
for the victim and other family members.
Economic abuse makes it harder for victims of abuse to leave the
relationship.
Source
Forms of Economic Abuse
Employment-Related Abuse
The abuser prevents a victim from earning money.
Preventing victim from attending a job
Demanding that the victim quits their job
Preventing the victim from looking for jobs or attending job interviews
Harassing the victim at work
Coerced DebtThe abuser forces non-consensual, credit-related transactions.
Applying for credit cards, loans, or opening accounts in a victim’s name without their knowledge or consent
Forcing the victim to obtain loans or sign financial documents
Use of threats to convince victims to make credit-related transactions
Refinancing a mortgage or car loan without a victim’s knowledge
Poll: Which of these forms of economic abuse have you encountered most often in your work?Source
More Forms of Economic Abuse
Deciding when or how the victim can access or use cash, bank accounts, or credit cards
Forcing a victim to give the abuser money, ATM cards, or credit cards
Demanding that the lease, mortgage, assets be in the abuser’s name
Using victim’s checkbook, ATM card, or credit cards without the victim’s knowledge
Limiting victim's access to benefits, such as EBT or Disability payments
Other forms of economic
abuse involve the
abuser preventing a victim
from accessing
existing funds.
Write in the Chat: What other examples of economic abuse have you encountered? Source
Did You Know?21-60% of victim-survivors
of domestic violence
lose their jobs due to
reasons stemming from
abuse.
Victim-survivors of
domestic violence lose
a total of 8 million days
of paid work each year.
94-99% of victim-survivors
of domestic violence
have also experienced
some form of economic
abuse.
Between 2005-2006,
130,000 stalking victims
were asked to leave
their jobs due to their
victimization.
Source
Financial Abuse:
Why It Matters
• Financial abuse prevents victim-survivors from leaving
• Financial instability prevents long-term safety and independence
• Interconnectedness of relationship abuse and landlord/rent crisis
• Racial considerations: forced lack of generational wealth in communities of color = smaller financial support network for BIPOC survivors
Source
Advocates: What Can We Do?
Lobby Your Reps...
• for affordable housing and lower rent
• for a higher minimum wage
• for increases
to government benefits/
coverage
Remove Barriers
• Consider micro-grants: give directly to survivors
• Partner with childcare programs
• Offer transportation to
job interviews
Educate
• Financial literacy for victim-survivors
• Financial safety planning
Financial
Safety Planning
Copies Keep copies of car and house keys, extra money, and emergency phone numbers in a safe place.
Compile Compile an emergency evacuation box with copies of your family’s important records and documents.
Keep Records
Keep your personal and financial records in a safe location. Leave copies with a trusted friend, relative, or in a bank safety deposit box to which your abuser does not have access.
Avoid Avoid using credit and debit cards that can enable an abuser track your whereabouts.
Seek Help First: seek help from a trained domestic v iolence advocate.
Financial
Safety Planning
BudgetI f you are considering leaving your abuser, calculate what it would cost you to live on your own, and consider starting to set aside your own money in a safe place.
InvestigateI f your partner controls the money, look for ways to find out more information about their income, financial property, real property, and debts.
CreditObtain a copy of your credit report, review the information, and report any fraud, disputed claims, or identity theft. You can obtain a free copy of your credit report every 12 months.
Inventory Take a financial inventory, listing assets and liabilities.
PrivacyI f you use the internet to research how to regain financial independence, make sure your browsing history is deleted or incognito.
Safety Planning (financial and otherwise)During COVID
COVID's effects on shelter intake/capacity
Information of the impact/considerations
of COVID here
COVID Specific Resources here
Safety Planning: Beyond Leaving
COVID-19 Specific Safety Planning
Emotional safety planning
Support systems- groups, friends
Self-care for staying
How to Use Safety Planning Resources
Safety Plans should be...
IndividualizedAddressing the fears/concerns of survivor
Realistic for survivor's situation, practical
Always open for revisions
Revisited frequently
Shared with one other person
Sample Procedure:
Identify a template
Ask survivor
Agency & choice
https://www.wadvocates.org/our-services/violence-prevention-education/safetyresources/Safety Planning for Deaf Survivors
Financial Empowerment
Trainings and Classes
ACT Economic Empowerment Program
Allstate Foundation: modules for survivors and advocates
Direct Giving
Mutual aid networks
Micro-grants/loans
Direct cash payments?
Financial Abuse-Specific Resources
Allstate Foundation
Center for Survivor Agency and Justice: Economic Abuse Resource Library
NNEDV Financial Abuse factsheet
The Hotline: "When Money Becomes a Form of Power and Control"
Comprehensive Safety Planning Goes Beyond Physical Safety
Women's Advocates has a LIVE CHAT feature on our website
Connect with us!
Women's Advocates
Website: www.wadvocates.org
Social Media:
Instagram & Twitter: @womensadvocates
Facebook: @wadvocates
YouTube Channel: "Women's Advocates"
24-hour Crisis Line: 651-227-8284
Email: [email protected] to request a certificate of attendance
Mary Beth Becker-Lauth, Crisis Resource Advocate: [email protected]
Register for September webinars here.
Resources Available https://www.wadvocates.org/our-services/violence-prevention-education/safetyresources/