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The Path to Money Management and Dealing with Debt

Each step is important to take in turn if you are to arrive at a solution to your money worries.      

Summary of the Steps

Assessing the Situation

• 1.1 Assessing the Situation
• 1.2 List and evaluate your Debts
• 1.3 What are your Priority Debts?
• 1.3A Advice on Mortgage Arrears
  
• 1.4 Hire Purchase Agreements
• 1.5 Court Fines
• 1.6 What are your Secondary Debts?
• 1.7 Your Debt Assessment Sheet
• 1.8 Write That Letter
• 1.9 Summary

Budgeting

• 2.1 What is a Budget?
• 2.2 Working Out a Personal Budget
• 2.3 Working Out Your Income
• 2.4 Working Out Your Spending
• 2.5 Printable Personal Budget Sheet
• 2.6 Maximising Your Income
• 2.7 Reducing Your Outgoings
• 2.8 Your Spending Diary
• 2.9 Summary

Dealing with Debt

• 3.1 Check back to your list of Priority Debts
• 3.2 Check back to your list of Secondary Debts
• 3.3 Decide on what to offer each creditor
• 3.4 How to make that offer
• 3.5 Letter making offer
• 3.6 If your offer is accepted
• 3.7 If your offer is not accepted
• 3.8 Negotiating Tips
• 3.9 Summary.

Making Payments

• 4.1 Tips on Making Payments
• 4.2 How to Pay Creditors
• 4.3 If you miss a Payment
• 4.4 If your circumstances change
• 4.5 Taking Care of Yourself
• 4.6 Summary.

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