This course will suite you if you want to learn how to avoid debt traps, or if you are in trouble with debt. It will teach you how to get affordable credit and avoid gripping interest charges. It will also show you how to get out of the negative debt situations you may already be in. The topics covered include:
- The lending rules that apply to almost EVERYONE.
- How to maintain and build your credit rating.
- Ways to avoid common borrowing mistakes.
- How to protect yourself against the risk of late payments and defaulting.
- What is the true cost of defaulting into legal debt?
- The rights you have when dealing with defaults, listings and judgments.
- How should you proceed if your borrowings have become legal debt?
- The types of help you can access to eliminate legal debt.
- What you can do to have negative listings and judgments removed.
- The best ways to start building, or rebuilding, your Wealth Plan.
- The most effective plan to structure your credit.
What does this course include?
· A comprehensive home-study manual
The credit health home study manual consists of easy-to-follow steps that will assist you on the road to building healthy financial habits and informed financial decisions.This home study manual includes worksheets to fill out that will provide you with a clearer understanding of your current financial position and what future steps you should be taking.
· Interactive workshop
The credit health workshop will cover all the material found in the manuals in a clear and concise manner. They aim to provide clarity of the coursework and offer the opportunity for individuals to ask questions. .
Personal Support Using Money Mentoring
6 months of using the "Money Mentoring" programme
Employees can call/email during business hours if applicable
They will submit their debts and expenses to the counselors every month
An assessment of their finances will be given to the individual
The assessment will point out all the problem areas in the individuals finances
They will be given a report that will illustrate how they are spending/wasting money in their budget
Each person will receive 6 months of telephone/email support where possible
This will aid them and insure that they get on track and stay on track