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Step 3.9

Keep it Going

Your To Do List

• List all your debts on a piece of paper
• Check that you are responsible for the debt
• Identify the debts needing your immediate attention
• Preferably write but do contact immediately those you owe money to
• Download the budget sheet or make up one yourself
• Fill in a budget as accurately as possible
• Do a spending diary for a week or two
• Take your expenditure from your income to see what you can afford to give to your creditors
• Divide your debts into primary and secondary debts if you have not already done so
• Decide how much you are can afford to give to each creditor
• Write to each creditor making the offer of the amount, and only the amount, you can afford.

Annette McMahon - MABS Money Adviser

"Acknowledging your situation is a positive move. Taking control of your situation by positive action really is the way forward. Our model does work for our clients, make it work for you."

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