I wish I'd known sooner! The impact of financial counselling on debt resolution and personal wellbeing

This national survey of 225 financial counselling clients was commissioned by The Salvation Army and conducted by the Swinburne Institute at Swinburne University in Melbourne in July 2012. The study investigated the impact of The Salvation Army's financial counselling service on clients' ability to resolve or reduce their financial difficulties, as well as health and wellbeing and financial capability outcomes. The research connects with broader debates about how financial literacy, financial capability and financial exclusion link with issues of poverty, social inclusion and health and wellbeing.