COLUMN: Beyond the shelter – Financial abuse: Rebuilding independence

When people think about domestic violence, they often picture physical or emotional abuse. However, one of the most common and least understood forms of abuse is financial abuse. Financial abuse occurs when one person uses money, resources, or economic control to gain power over another. It can make it difficult for someone to leave an unhealthy relationship and can create long-lasting barriers to independence.

Financial abuse can take many forms. An abusive partner may control all household finances, restrict access to bank accounts, monitor spending, prevent someone from working, force them to hand over their paycheque, or accumulate debt in their name. In some cases, survivors leave relationships with damaged credit, limited savings, and little experience managing finances independently because they were never allowed to participate in financial decisions.

The effects of financial abuse can continue long after a relationship ends. Survivors may face challenges securing housing, obtaining credit, finding employment, or meeting basic needs while trying to rebuild their lives. Financial insecurity is also one of the most significant reasons individuals remain in or return to abusive relationships. When someone feels they have no financial options, leaving can seem impossible.

At Agape House, we recognize that safety and independence go hand in hand. While emergency shelter and crisis support are critical, helping individuals rebuild financial confidence is also an important part of the healing journey. Financial literacy can empower survivors to make informed decisions, develop practical skills, and work toward long-term stability.

Financial literacy includes understanding how to create a budget, manage debt, build credit, open and maintain bank accounts, recognize financial scams, and set achievable financial goals. These skills can help individuals regain a sense of control and confidence as they move forward.

We are grateful for community partnerships that help make this education possible. Agape House partners with local financial professionals from Access Credit Union and TD Bank to provide financial literacy workshops for clients. These sessions cover topics such as budgeting, banking basics, credit, saving strategies, and navigating financial challenges on a limited income.

These workshops provide more than information. They create opportunities for clients to ask questions in a supportive environment, gain practical knowledge, and build confidence in managing their finances. For many participants, it is the first time they have had the opportunity to learn these skills independently.

The support of community partners plays an important role in helping survivors achieve long-term success. By sharing their expertise, local organizations and financial institutions help remove barriers and provide tools that individuals can use long after they leave the shelter.

Financial abuse thrives in silence and isolation. Raising awareness about this form of abuse helps people recognize the warning signs and understand that financial control is not a normal part of a healthy relationship. Healthy relationships are built on trust, respect, and shared decision-making, including when it comes to finances.

Rebuilding financial independence takes time, but it is possible. With access to resources, education, and community support, survivors can regain control over their financial future and continue building lives free from violence. Together, we can help ensure that everyone has the knowledge and opportunities they need to achieve safety, stability, and independence.

Agape House provides a safe space and 24/7 support to those experiencing domestic violence in Southeastern Manitoba. The local crisis line can be reached at 204-346-0028.

Lisa Fast is the outreach and housing coordinator for Agape House.