New to the forum and looking to offer free (no charges or cost ever!) and confidential debt counselling to those looking to solve their debt problems through budgetting, rather than IVA / Bankruptcy.

The counselling offered is designed to help individuals, couples or famillies to take control of and stay in control of money through the preparation of a realistic and workable household budget. 

I’m not debt specialists and do not offer financial advice but I am trained in debt counselling, and able to make referrals to specialist help where this is needed, whilst continuing to walk the road with those in debt, offering skilled and caring support.

I will not do all of the work for you - that only encourages dependency - but I will work through your situation with you and teach and coach you in the skills necessary to gain control of you finances, manage your busgets, stay in control and work your way out of debt.

The counselling service offered covers three main areas:

1. Helping you to developing a good understanding of your current financial position through the preparation of your personal financial statement.

2. Exploring and identifying ways in which you can either increase your income, or reduce your living expenses, or both.

3. Assisting you in contacting and negotiating an affordable debt recovery plan with your creditors.

If you would like more information on the help provided, or would like to arrange a short, informal, free consultation contact me via this forum.