This training course is designed to equip participants with practical knowledge and skills to support individuals facing financial difficulties. It focuses on effective personal budgeting, understanding different types of debt, and providing informed advice and support for those struggling financially. The course also addresses the impact of the cost-of-living crisis and explores communication techniques to engage sensitively with people in debt.
Learning Outcomes:
By the end of this course delegates will be able to:
- Help customers to create and manage personal budgets.
- Identify strategies to maximise income and minimise expenditure.
- Explain the features and benefits of basic bank accounts and 'Jam Jar' accounts.
- Describe Alternative Payment Arrangements.
- Recognise the link between problem debt and mental health issues.
- Differentiate between priority and non-priority debts and understand their implications.
- Assess various options available for managing debt, including the Debt Respite Scheme and Breathing Space.
- Identify signs that someone is struggling financially.
- Ascertain the extent and nature of a person's debt problem through effective questioning.
- Conduct healthy and supportive conversations around financial difficulties using communication tools such as Making Every Contact Count (MECC) and the TEXAS Protocol.
- Navigate the support systems available for people with problem debt and understand how to make clear and appropriate referrals.
