Need a little advice

[JeffF1]

Hi All,

Thanks for reading my post. I'm on medication for anxiety disorder very long. I'm male, over 40.

I have following problems,

1) Big debts / personal loan & CC (It happen when i tried to learn new career. I broke my bank because of my mental states (emotional responses).

2) Career issue (i'm a migrant and no Australia education) + over 40 and long time break from my main work. i'm or wasn't in senior position too. Really difficult to get job *not because of recent COVID-19. I might need to change career. What sort of short course and career available in Australia? I'm considering to get security cert and job. Anything like that?

security job -

Care taker - not interest

Child care - not interest

I can think only above 3. Please add what you think i should try. I need something stable job & income to pay debts and then build for myself and kids.

i'm currently working at a shop but too stress and can work only 3 days (casual). If i see crowds queuing at counter service desk i start feel anxious plus many things to handle at once.

I want to get consultation. But if i go to career coach then he/she might not understand my anxiety & financial difficulties. Beside that I can't afford to pay $200-$300 per hour consultation fees.

If i go to psychiatrist consular i won't get right direction either. (i tried once through online consultant.)

My parents or sibling can't answer my above questions and problems. They only say i have to decide by myself.

I'm not ok with my Dad. He won't give me help.

I do need, financial consulting, career & mental. So who can give this kind of consultation? I don't know where to go or start.

Kindly give me a right direction please.

Thank you for understanding.

PS. I do work as freelance for two kinds but either i don't get regular income. I dont know many people in here. I don't have many friends. I don't have budget to advertise my business. I do post free listing, social media but nothing works well. Sometime i get few jobs and income then disappear for few weeks. Not regular or developing the business. *again it is happen before COVID-19.

I want to get something stable & decent income that I can manage to pay back my debts, have better hope and build for myself and family.

I'm not expecting unrealistic hopes. I just want to get on track. I'm out of track at the moment, depress, isolate and poor performance at work.

Thanks again.

[Soberlicious96]

Dear Jeff,

Welcome to Beyond Blue and well done for reaching out.

I am sorry to hear of the struggles you've been having. It sounds like you've had a lot going on.

You seem to be mainly asking out your career, and how you want to get back on track financially, however are a but undecided as to what to do, yeah? I'd like to recommend the following link to a 'career quiz' which may help you decide on what kind of job or career to pursue. You may find that you already have some skills which could be transferred over into another career, without having to do further training?!

Anyway, here is the link for the career quiz: https://www.carecareers.com.au/page/career-quiz?gclid=EAIaIQobChMIssfmhKW66QIVjraWCh1u2AVAEAAYAyAAEg...

In the meantime, perhaps you could talk to someone at your local banking or financial institution for some advice as to how to better manage your debts, yeah? Sometimes you can consolidate your debts into one payment, and the repayments then become lower. Do you think that might help? Talking to a financial advisor of some sort? Could be worth a try.

Anyway, don't know if that helps or not? I hope so. Please remember also that Beyond Blue is here for you for as much support as you need, and as what we can offer.

Take care. I'll be thinking of you. xo