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Understand how to establish the cause and extent of personal debt.
Describe common causes of personal debt.
Describe the importance of establishing the cause and extent of personal debt.
Understand how to compile an effective budget.
Describe key components of an effective personal budget.
Describe why household expenditure may be above or below average.
Identify common priority and non priority debts.
Identify ways that people could maximise their income.
Identify ways that people could reduce their household expenditure.
Understand emergency situations in relation to debt and money advice.
Identify emergency situations when specialise advice is required.
Understand how to offer appropriate money and debt advice.
Describe techniques to ensure effective money and debt advice.
Outline liability issues in relation to personal debt.
Identify the main debt solutions.
Outline the importance of maintaining contact with creditors.