The Impacts of Household Financial Stress, Resilience, Social Support, and Other Adversities on the Psychological Distress of Western Sydney Parents

1Department of Psychology, Macquarie University, Building C3A, Sydney, NSW 2109, Australia 2Humanitarian and Development Research Initiative (HADRI), School of Social Science and Psychology, Western Sydney University, Kingswood Campus, Building P, Locked Bag 1797, Penrith, NSW 2751, Australia 3School of Science and Health, Western Sydney University, Campbelltown Campus, Building 24, Locked Bag 1797, Penrith, NSW 2751, Australia 4Academic Unit of Psychiatry and Addiction Medicine, Australian National University Medical School, Psychological Medicine Unit, Canberra Hospital, Building 4, Yamba Drive, Garran, ACT 2606, Australia


Introduction
The protracted economic downturns experienced in numerous countries since the Global Financial Crisis (GFC) have refocused attention on the psychological effects of financial hardship on individuals and families.Within such contexts, retrenchment or job loss, reduction of income, and associated housing stress have been linked to increased levels of distress, depression, and anxiety [1,2].Even among those who are employed, the subjective experience of financial strain has been found to be a greater predictor of poor mental health than individuals' objective economic status or level of debt [1].Australian research regarding the mental health impacts of the post-GFC period on vulnerable subpopulations has been limited.However, one longitudinal study found that anxiety and depression symptoms increased significantly among older Australians during the crisis, while depression was reported to have persisted post-GFC [3].Parents are also a key group of interest in this context, as parental financial strain can adversely affect the functioning of households and the psychosocial development of children [4,5].

International Journal of Population Research
Western Sydney is often described as "middle Australia."This simple description belies the reality of a large, culturally diverse region with an estimated population of over 1.9 million people in 2011 [7] and a socioeconomic spectrum spanning affluent suburbs to pockets of significant disadvantage.Considered a potentially vulnerable region during the GFC, some analysts have argued that its aggregate effects were largely benign, with increases in unemployment being offset by government stimulus payments in 2008 and 2009 [8,9].Conversely, GFC related impacts may simply have exacerbated other, more pervasive factors affecting household financial security in this region.Western Sydney has a higher proportion of low income families than the rest of metropolitan Sydney [10], in part, because jobs growth has lagged population expansion.In 2006, it was estimated that there was a "jobs' shortfall" of over 180,000 positions in Western Sydney, which has continued to worsen [11].Such factors impact housing security and associated wellbeing.Recent studies found that Western Sydney homeowners were experiencing the highest rates of "mortgage stress" in Metropolitan Sydney [12] and among the highest mortgage default rates nationally [13].Notably, residents of suburbs reporting among the highest rates of mortgage stress (Auburn, Blacktown, and Parramatta South) also reported substantially higher rates of high or very high psychological distress, compared to residents of metropolitan Sydney (17%-19% and 11.8%, resp.)[10].
There has been little research to establish the psychological effects of economic "tough times," such as the post-GFC period, on family life in Australia, particularly families with dependent children and greater exposure to economic downturns [14].Improving our understanding of the factors that support or undermine parental coping in this context may assist the development of strategies to support households under financial strain and, importantly, mitigate adverse effects on children.As part of a wider study examining potential support interventions for families experiencing financial stress, the aim of this study was to examine the relationship between household financial strain and other life stressors on the mental health and wellbeing of parents in Western Sydney households.

Selection of Participants.
The research participants were a random sample of adults (aged over 18 years) living in the western suburbs of Sydney in NSW and who live in the same household and have primary caring responsibility for at least one child aged between 4 and 16 years.The phone numbers of prospective respondents to the survey were selected via a random digit dialling process of residential numbers in the following seven area-related statistical subdivisions (SSD): Canterbury/Bankstown (0520); Fairfield-Liverpool (0525); Outer South Western Sydney (0530); Inner Western Sydney (0535); Blacktown (0553); Central Western Sydney (0540); and Outer Western Sydney (0545) (see Figure 1) [6].The sampling framework applied was SamplePages (see http://samplepages.com.au/), and a proportional sample was drawn from the seven SSDs.

Measurements.
The survey instrument was developed by the study team and incorporated a range of validated scales and items to assess parent experiences of "tough times" (i.e., financial stressors and other adverse life events) and anticipated protective factors such as perceived family and community support and personal resilience/optimism.These factors, along with other potential health and sociodemographic risk factors, constituted the independent variables of the study and were examined to determine their relationship with reported psychological distress, which was the study outcome variable.The development, deployment, and reporting of this interview-based study were completed in accordance with the Consolidated Criteria for Reporting Qualitative Studies (COREQ) guidelines [15] (see COREQ checklist, Supplementary File 1, in Supplementary Material available online at https://doi.org/10.1155/2017/6310683).The full survey protocol is presented in Supplementary File 2.
Sociodemographic information was collected which was related to the primary caregiver and their household.This included age; gender; country of birth; language usually spoken at home; highest attained education qualification; residential postcode; length of time lived in the local area; whether a single parent household; and number of children in the household under 16 years of age.
Household financial strain was examined using two items from the Household, Income and Labour Dynamics in Australia (HILDA) Survey [16] which assessed ability over the past year to pay utilities bills (gas, electricity, or telephone) or mortgage/rent payments and a further item measuring ability to pay for children's "school requirements or extras."Job loss in relation to an adult in the household in the past year was assessed as a further financial stressor due to its likely effects on household financial security and associated wellbeing.
Adverse family and life events were examined using items adapted from the Stress and Coping Inventory [17].Respondents were asked whether they experienced the following during the previous 12 months: separation or divorce; close family member with an ongoing chronic physical health problem or disability; close family member with a mental health problem or behavioural or emotional difficulty; close family member with alcohol or drug use affecting family; persistent conflict within the family; death of a close family member; or any other experience that caused distress and worry.Parents also rated their general physical health status during the past four weeks using a validated item from the NSW Population Health Survey [18].A large number of cross-sectional and longitudinal studies have demonstrated that self-rated heath status is a powerful predictor of future morbidity, even after controlling for a variety of health and socioeconomic factors [19].Parent perceptions of difficulties experienced by their children were assessed using four items adapted from the Strengths and Difficulties Questionnaire (SDQ), a behavioural screening questionnaire for 4-16 year olds [20].Perceived difficulties with each child during the past twelve months were rated on a four-point scale (none to severe).The four items reflected the factor structure of childhood difficulties as assessed by the SDQ: (1) emotional regulation, (2) concentration, (3) behaviours, and (4) peer relationships ("ability to get on with others").

International Journal of Population Research
Current mental health status was assessed with the Kessler 10 Measure of Psychological Distress (K10).The K10 has been used extensively in Australian population health research and provides a composite measure of nonspecific psychological distress, consisting largely of anxiety and depressive symptoms [21].Scores on the K10 have a range of 10-50, with scores of ≥22 considered to constitute "high" psychological distress.Scores in this high range have been shown to be associated with high probability of a mental disorder and have also been linked to the use of intervention strategies [22].
Personal and social support factors previously found to be associated with positive mental health status were also assessed in this study [23,24].Perceived social support from family and friends was assessed with two items from the Perceived Social Support Scale [25].Social capital was measured using two items adapted from Onyx and Bullen [26], which assessed respondent trust in others and their perceived social connectedness in their neighbourhood.The short form of the Connor-Davidson Resilience Scale (CD-RISC2) was used to measure current perceived personal resilience, that is, the ability to "adapt to change" and to "bounce back from illness or hardship" [24].

Data Collection.
This study was approved by the University of Western Sydney Human Research Ethics Committee (Protocol number H9918).The survey was completed between 10 and 26 May 2011.The questionnaire was administered using computer-assisted telephone interviewing (CATI).Professional interviewers made up to seven calls to establish initial contact with a household and up to five further calls in order to contact the primary caregiver (hereafter "parent") of the household.The interviewers provided the respondent with the details of the project and the confidential nature of information provided prior to seeking verbal consent for participation.These methods and procedures are consistent with those used by the NSW Ministry of Health for its own data collection and used to ensure comparability of the current data with 2011 NSW population health prevalence estimates [27].

Statistical Analysis.
As the respondents represented a broad cross section of the NSW adult population, the questionnaire enabled a population level examination of family experiences of tough times.The data from the survey were weighted to be representative of the Western Sydney population and to adjust for the probability of selection and differing nonresponse rates among males and females and different age groups and in a manner consistent with established NSW Health population health survey program methodology [28].
The response set for the four financial stressor questions and the nine questions regarding adverse life events were dichotomised to form the "stressor" variables of interest."Don't know" responses were excluded from the analysis.The two personal resilience items were combined to produce a score range of 0-8 for the CD-RISC2.Community norms for the scale indicate scores of 0-6 and 7-8 that represent "low" and "high" self-rated personal resilience, respectively.All other individual, social support, and child difficulty variables used dichotomised ("yes"/"no") responses.
Initially, all the potential risk factors with the study outcomes in this analysis were examined with frequency tabulations and prevalence.Data analysis was performed using the "SVY" commands of Stata version 12.0 (Stata Corp, College Station, TX, USA), which allowed for adjustments for sampling weights.This was followed by univariate and multivariate analyses.Univariate analyses examined the association between the independent variables and high psychological distress.
In the multivariate model, a staged modelling technique was employed.In the first stage, all the sociodemographic and household variables were entered into the baseline multivariate model to assess their relationship with the study outcome.A stepwise backwards elimination process was conducted and variables that were significantly associated with the study outcome at 5% significance level were retained.In the second stage, individual and community support variables were independently investigated with sociodemographic and household variables that were significantly associated with the high psychological distress.After the stepwise backwards elimination process, those with  value < 0.05 were also retained.In the third stage, financial stressor variables were independently investigated with individual and community support variables that were significantly associated with the high psychological distress.As before, those with  value < 0.05 were retained.A similar procedure was used in the final stage by adding adverse life event variables to individual and community support variables and financial stressor variables that were significantly associated with the study outcome.The odds ratios with 95% Confidence Intervals were calculated in order to assess the adjusted risk of the independent variables.We also tested for, and report, any colinearity in the final model.

Sample.
The survey response rate was 21.6%.A total of 439 parents (and therefore families/households) responded to the survey.Table 1 presents the sociodemographic characteristics of the sample.The respondents were majority female (78.8%) with most born in Australia (66.4%), aged between 35 and 45 years (60.9%), and representing dualparent households (87.4%).Having two children less than 16 years of age was the most frequently reported composition of households (47.2%).

Psychological Distress.
Figure 2 shows the prevalence estimates of reported psychological distress among Western Sydney parents compared to 2011 prevalence estimates of distress for the adult population of New South Wales in 2011.Although the respondent group was more likely to report very high levels of psychological distress and less likely to report moderate or low distress levels, none of these differences were statistically significant.during the previous 12 months are presented in Table 2.A total of 37 respondents (8.4%) indicated that an adult member of the household had lost their job.Other reported financerelated stressors during this period were an inability to meet at least some scheduled payments for household utilities bills (gas, electricity, or telephone payments) (21.5%); mortgage or rent payments (8.6%); or school requirements or extras (16.6%).Reported moderate or severe child difficulties and "other events" that caused distress or worry were the most commonly reported adversities of the previous year (47.1% and 33.9%, resp.), while parental divorce/separation (4.9%) and drug/alcohol abuse that affected family functioning (6.0%) were reported the least frequently.community connections (OR = 2.37, 95% CI: 1.18-4.78, < 0.016).Table 5 presents the results of the univariate analysis regarding the relationship between financial and life event stressors and parent psychological distress.Reported inability to meet mortgage or rent payments in the past year due to household shortage of money was significantly associated with reported high psychological distress (OR = 2.83, 95% CI: 1.26-6.35, = 0.012); inability to meet school requirements or extras (OR = 3.46, 95% CI: 1.54-7.79, = 0.003); and an adult in the household losing their job (OR = 2.43, 95% CI: 1.10-5.37, = 0.029).Several reported adverse life events in the past year were significantly associated with current high psychological distress: having poor self-rated health (OR = 6.25, 95% CI: 2.92-13.38, < 0.001); child difficulties (OR = 2.05, 95% CI: 1.00-4.21,

Discussion
While aggregate economic impacts of the post-GFC period on "mortgage belt" Australians may have been limited, it has been argued that the "fear factor" associated with this crisis undermined consumer confidence and household financial security for an extended period [8].Possibly more important to the economic security of Western Sydney households, however, are longer-term structural factors affecting the region; jobs "shortfalls," transport inequities, lower average incomes (affecting financial accumulation), and associated mortgage/housing "distress."Although household financial strain can adversely affect the psychosocial development of children [4,5], less is known about the relative effects of such hardship on parental mental health, particularly populations that may have greater exposure to economic downturns and threats to employment [14,29].Overall, our findings show that when controlling for other potential confounders, financial stressors showed the strongest relationship with high parental psychological distress.Importantly, personal resilience factors were associated with lower reported distress and may represent an important protective factor for this population.
The finding that reported inability to meet mortgage/rent payments was the greatest single factor associated with reported distress which suggests that housing security constitutes one of the most critical concerns for parents in this region.Arguably, mortgage and rent repayments may be the least "discretionary" financial commitment among those assessed, particularly for families with dependent children.As such, threats to this financial capacity are likely to constitute a significant stressor for affected parents.Recent findings from the United States have shown that altered capacity to service mortgages among older adults is associated with significant elevations in the incidence of mental health problems and particularly depression [30].The current finding, and notably its magnitude against a range of other psychosocial risk factors, highlights that parents may be a particularly vulnerable population regarding housing security during economic downturn and may warrant specific policy consideration from both economic and public health perspectives [31].
Numerous studies have shown an association between unemployment and poor mental health status [32], although few have specifically focused on the problems faced by unemployed parents and their health outcomes [29].Notably, parent job loss and inability to meet mortgage payments were not found to be cooccurring events within the current analysis, suggesting that their relationship with high respondent distress represents distinct phenomena.While the relationship between unemployment and poor mental health is well established, debate continues regarding the most important mediators of this relationship.The "latent deprivation model" [33] posits that employment supports five key functions that underpin positive mental health (social contact, time structure, collective purpose, status, and activity), with unemployment being incompatible with these functions.Evidence in support of a more recent "incongruence model" of employment-related health [29] suggests that poor mental health is the result of dissonance that individuals experience when there is a lack of congruence between their level of employment commitment and their current employment situation.This may be an important mediating factor in the current finding for parental job loss, with the felt need to provide for family financial/material needs being dissonant with current employment status.
Specific adverse life events were associated with reported high psychological distress in the univariate analysis.These events are typically related to ongoing family-related issues such as child difficulties, family conflict, and chronic physical and mental health related problems.In contrast, more discrete stressors such as the death of a close family member and parental divorce were not associated with high psychological distress.This is consistent with findings related to the mental health effects of cumulative stress, particularly the stress diathesis model, which posits that individuals with a greater genetic or psychological vulnerability to stress may experience poorer coping in such contexts and greater risk of adverse physical and mental health outcomes [34,35].While specific types of adversities were not significant in the multivariate analysis, the open item regarding "other" adverse events was positively associated with parental distress and indicated that diverse and possibly cumulative stressors (e.g., caregiver issues, job insecurity, and partner relationship issues) were adversely affecting parental mental health and wellbeing.
While perceived lack of social support from family and perceived lack of social support from friends were both associated with high psychological distress, neither was found to have a significant association in the multivariate analysis.This is notable in that previous research has found a relationship between the perceived absence of social support and mental health problems among both married couples and parents, particularly in the context of financial stress [36,37].Similarly, "befriending" intervention programs among International Journal of Population Research groups such as single mothers have been found to increase perceived social support and reduce identified mental health problems such as depression [38].However, the current finding is consistent with a recent meditational analysis examining Australian parents.Crosier et al. [39] found that perceived social support did not moderate the effects of financial hardship on the mental health status of single or partnered mothers, suggesting that high perceived support may not have a substantial protective or "buffering" effect for some parent groups in these circumstances.
In contrast to some of the findings regarding social support factors, individual dispositional factors were found to have protective relationship with parental mental health.Personal optimism and resilience were both significant univariate findings.Notably, however, personal resilience also emerged as a significant finding in the multivariate analysis.Moreover, the effect size for its relationship with reported distress (AOR = 0.14) was of a similar magnitude to reported inability to meet mortgage commitments, highlighting the importance of personal resilience as a factor protective of parental mental health.While there is evidence that dispositional optimism (i.e., stable, future-focused positive expectancy) is also associated with positive mental health status [40], the stronger finding for resilience likely reflects respondent perceptions of greater personal agency and stress coping ability, with these significantly associated with lower mental health impacts.Other studies have shown that measures of self-rated resilience reliably discriminate between general population samples and individuals experiencing clinical anxiety disorders, conditions known to be associated with stress-related reductions in coping [33].It is important to note that approximately 10% of the parent respondent group reported low personal resilience, which the current findings indicate, conveys a higher risk of mental health difficulties.Further research could examine whether specific social or psychoeducational interventions could enhance resilience and reduce mental health sequelae among parents at higher risk of these outcomes.
The current study has important strengths and some potential limitations.The cross-sectional nature of the data limits conclusions about the direction of the observed relationships.The sample of parents that participated in the research had a greater than expected proportion of individuals with tertiary qualifications (39%), albeit the observed rate is only marginally higher than rates recently reported for this region (31%) [41].Notwithstanding these limitations, the methodology of this study is well established and enabled a population level examination of family-based experiences of economic hardship, relative to a range of other common adversities and potential protective factors for psychological health.
In terms of the implications for policy, the study findings point to a range of potential avenues for national and local action.As financial factors have been found to be most strongly associated with psychological distress in this study, policy that can support household financial stability and functioning should be an important component of any policy-driven improvements for parental mental health.For example, policies that compel utility companies to offer flexible payment options to families experiencing interruptions to income or other family "crises" affecting finances could offer considerable support to vulnerable families.While some financial institutions currently offer mortgage "holidays" that allow for brief interruptions in payments and "crisis payments" in selected situations, greater policy intervention may be indicated.This is highlighted in the 2017 Reserve Bank of Australia Financial Stability Review, which reported that one-third of Australian mortgagees held savings equivalent to less than one month's repayments, providing little "buffer" against a significant financial loss or interruption [42].
Since 2011, Australia has had a National Financial Literacy strategy, led by the Australian Securities and Investments Commission (ASIC) to promote a coordinated approach to improving the financial wellbeing of Australians [43].The availability of free independent online guidance and tools on personal finances and money management through initiatives, such as ASIC's MoneySmart, can assist in supporting population financial literacy, with the advantage of being widely accessible and available 24/7.However, there is still a place for local smaller-scale, more engaging, initiatives supported at a local government level.Opportunities to attend short face-to-face workshops, such as "You're the Boss," a financial literacy program offered by The Salvation Army [44], or access to a limited number of free financial counselling sessions, could be used to assist families with financial planning.
Beyond financial literacy, other interventions that can directly support parental coping could be considered.At a national level, groups that offer information and support online are available, for example, the Trauma and Grief Network (TGN) [45].The TGN includes resources to support parental wellbeing and support children through times of financial hardship.At a local level, options could include opportunities to attend counselling, support groups, or dropin groups, and resources that promote free/cheap local activities for families could be used to assist.
As our study has focused on the family unit and the dynamics of parental psychological distress and child difficulties, another avenue for support should be provided for children, driven by policy directed towards the education sector or supported via local community sporting-, youth activity-, or faith-based groups.Programs to enhance resilience, social and emotional learning, peer-support, and mindfulness can be considered.Several such resources are now offered in Australia via government-funded initiatives, such as Kids Matter [46].
Any approach to improving parental psychological distress in Western Sydney (or elsewhere) is, and probably should be, multifaceted.Providing policy to support financial stability and strategies to embed financial literacy and having national resources and local initiatives to assist parents and children in managing change and dealing with stress are all likely to contribute to a more resilient and healthier society.

Conclusion
Among a range of common stressors, financial hardship factors formed the strongest associations with reported psychological distress among Western Sydney parents, particularly those factors related to mortgage/housing and employment security.However, reported high personal resilience was also common among parents' group and appears to represent a substantial protective factor against stress-related impacts on mental health and wellbeing.The current findings highlight the potential value of targeted interventions to support parent coping strategies in the context of identified household economic stressors.

Figure 1 :
Figure 1: Map showing statistical subdivisions (SSD) of the Greater Western Sydney region, Australian Bureau of Statistics (2006), Australian Standard Geographical Classification (Cat number 1216.0).Canberra: Australian Bureau of Statistics [6] (permission granted for reproduction of graphic).

Figure 2 :
Figure 2: Past month psychological distress in Western Sydney parents and New South Wales general population.

Table 1 :
Sociodemographic characteristics of the sample.

Table 2 :
Prevalence estimates of financial stressor and adverse family and life event variables.

Table 3 :
Prevalence estimates of individual and community protective factors.

Table 4 :
Prevalence estimates and odds ratios (OR) of parent psychological distress by sociodemographic and individual/community variables.

Table 5 :
Prevalence estimates and odds ratios (OR) of parent psychological distress by financial and family/life event variables.

Table 6 :
Factors associated with parent high psychological distress, adjusted odds ratio (AOR).