Master Your Finances: A Course on Dealing With Debt

Managing debt can feel like your biggest financial burden, so understanding your rights and options is vital. We break down the journey from identifying your spending triggers through to communicating with creditors and navigating legal enforcement. You’ll learn about the different types of debt solutions available, how strategic budgeting can help you regain control, and the mechanics of negotiating settlements or debt write-offs. This isn’t about just surviving from month to month; it’s about understanding creditor criteria and the various stages of financial recovery so you can move forward with confidence.

Course Curriculum

24 Chapters · 378 Lessons

1
Dealing With Debt Stress
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Emotional Impact of Debt
3. (Included in full purchase)
  Breaking the Stigma Around Debt
4. (Included in full purchase)
  Building Confidence and Control
5. (Included in full purchase)
  Talking to Family & Partners About Debt
6. (Included in full purchase)
  Avoiding Denial and Procrastination
7. (Included in full purchase)
  Understanding Your Debt
8. (Included in full purchase)
  Debt, Mental Health & Seeking Help Early
9. (Included in full purchase)
  Where to Get Support
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Module Complete
2
Behavioural Triggers and Spending Habits
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  The Psychology of Spending
3. (Included in full purchase)
  Emotional Spending Triggers
4. (Included in full purchase)
  Your Money Story
5. (Included in full purchase)
  Lifestyle Creep
6. (Included in full purchase)
  Social Pressure and Comparison
7. (Included in full purchase)
  Debt and Mental Health
8. (Included in full purchase)
  When Spending Habits May Need Attention
9. (Included in full purchase)
  Habit Building Techniques
10. (Included in full purchase)
  Creating Spending Boundaries
11. (Included in full purchase)
  Tools to Stay on Track
12. (Included in full purchase)
  Case Studies
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete
3
Income Shocks & Life Events
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Job Loss or Reduced Income
3. (Included in full purchase)
  Illness or Unexpected Costs
4. (Included in full purchase)
  Divorce or Separation
5. (Included in full purchase)
  Supporting Dependents
6. (Included in full purchase)
  What to Do Immediately After an Income Shock
7. (Included in full purchase)
  Priority and Non Priority Debts
8. (Included in full purchase)
  Free Debt Advice
9. (Included in full purchase)
  Debt Solutions Explained
10. (Included in full purchase)
  Mental Health and Financial Stress
11. (Included in full purchase)
  Building Financial Resilience for the Future
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help & Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
4
Financial Stress & Mental Health
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  One of Biggest Drivers of Anxiety
3. (Included in full purchase)
  The Psychology of Money
4. (Included in full purchase)
  The Financial Wellbeing Spectrum
5. (Included in full purchase)
  Building Financial Resilience
6. (Included in full purchase)
  The Debt Mental Health Cycle
7. (Included in full purchase)
  Talking About Money
8. (Included in full purchase)
  Financial Stress and the Workplace
9. (Included in full purchase)
  When and Where to Seek Help
10. (Included in full purchase)
  Breaking the Money Taboo
11. (Included in full purchase)
  Digital Tools and Financial Wellbeing
12. (Included in full purchase)
  Money, Sleep and Physical Health
13. (Included in full purchase)
  Financial Stress and Life Events
14. (Included in full purchase)
  Financial Wellbeing for Vulnerable Groups
15. (Included in full purchase)
  Personal Reflection
16. (Included in full purchase)
  Frequently Asked Questions
17. (Included in full purchase)
  Additional Help and Resources
18. (Included in full purchase)
  Knowledge Check Quiz
19. (Included in full purchase)
  Module Complete
5
Building a Clear Debt Picture
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  What is Debt?
3. (Included in full purchase)
  Priority vs Non-Priority Debts
4. (Included in full purchase)
  Listing All Your Debts
5. (Included in full purchase)
  Understanding Interest Rates and Terms
6. (Included in full purchase)
  Calculating Total Debt and Repayments
7. (Included in full purchase)
  Understanding Your Credit Report
8. (Included in full purchase)
  Tracking Due Dates and Penalties
9. (Included in full purchase)
  Using Debt Tracking Tools
10. (Included in full purchase)
  Creating a Personal Debt Snapshot
11. (Included in full purchase)
  Debt and Mental Health
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Module Complete
16. (Included in full purchase)
  Knowledge Check Quiz
6
Utility Bills & Everyday Arrears
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Gas, Electricity, and Water Debt
3. (Included in full purchase)
  Disconnection Rules and Protections
4. (Included in full purchase)
  Payment Plans and Hardship Funds
5. (Included in full purchase)
  Prepayment Meters
6. (Included in full purchase)
  Reducing Ongoing Costs
7. (Included in full purchase)
  Support Schemes
8. (Included in full purchase)
  Prioritising Your Debts
9. (Included in full purchase)
  Your Rights and Protections
10. (Included in full purchase)
  Council Tax and Everyday Arrears
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
7
Credit Cards Out of Control
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Warning Signs of Credit Card Debt Spiral
3. (Included in full purchase)
  The Minimum Payment Trap
4. (Included in full purchase)
  What Happens If You Stop Paying
5. (Included in full purchase)
  Negotiating With Lenders
6. (Included in full purchase)
  Balance Transfers and Alternatives
7. (Included in full purchase)
  When to Seek Help
8. (Included in full purchase)
  Consumer Rights & Legal Protections
9. (Included in full purchase)
  Impact on Your Credit File
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
8
Buy Now Pay Later Problems
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  How BNPL Actually Works
3. (Included in full purchase)
  How BNPL Can Lead to Hidden Debt
4. (Included in full purchase)
  Missed Payments Consequences
5. (Included in full purchase)
  Managing Multiple BNPL Accounts
6. (Included in full purchase)
  BNPL & Impact on Your Credit Score
7. (Included in full purchase)
  Regulatory Landscape
8. (Included in full purchase)
  Wider Impact on Financial Wellbeing
9. (Included in full purchase)
  Consolidating BNPL Debt
10. (Included in full purchase)
  Breaking the BNPL Cycle
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
9
Payday Loans & High Cost Credit
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  What is High Cost Credit?
3. (Included in full purchase)
  Why Payday Loans Become Dangerous
4. (Included in full purchase)
  Rollover Cycles Explained
5. (Included in full purchase)
  True Cost of High Cost Credit
6. (Included in full purchase)
  Your Rights with Payday Lenders
7. (Included in full purchase)
  Complaints & Affordability Checks
8. (Included in full purchase)
  Freezing Interest & Repayment Plans
9. (Included in full purchase)
  Safer Alternatives to High Cost Credit
10. (Included in full purchase)
  Your Credit File & Debt Recovery
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
10
Consumer Rights in Debt
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  What Creditors Are Legally Allowed to Do
3. (Included in full purchase)
  Harassment Rules and Protections
4. (Included in full purchase)
  Time Limits on Debt
5. (Included in full purchase)
  Your Rights with Debt Collectors and Bailiffs
6. (Included in full purchase)
  How to Make a Complaint
7. (Included in full purchase)
  Key Organisations That Protect You
8. (Included in full purchase)
  The Breathing Space Scheme
9. (Included in full purchase)
  Your Credit File and Debt
10. (Included in full purchase)
  Getting Free Debt Advice
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
11
Communicating With Creditors
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Why Communication Helps
3. (Included in full purchase)
  What to Say - Call & Email Scripts
4. (Included in full purchase)
  Asking for Reduced Payments
5. (Included in full purchase)
  Requesting Interest Freezes
6. (Included in full purchase)
  Handling Difficult Conversations
7. (Included in full purchase)
  Keeping Records & Protecting Yourself
8. (Included in full purchase)
  Prioritising Your Debts
9. (Included in full purchase)
  Debt and Mental Wellbeing
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
12
Debt Collection Agencies Are Contacting Me
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Understanding Debt Collection Agencies
3. (Included in full purchase)
  What Debt Collectors Can and Cant't Do
4. (Included in full purchase)
  Harassment Rules & Fair Treatment
5. (Included in full purchase)
  How to Respond to Letters and Calls
6. (Included in full purchase)
  Do You Actually Owe It?
7. (Included in full purchase)
  Setting Up a Payment Plan
8. (Included in full purchase)
  When & How to Escalate or Complain
9. (Included in full purchase)
  Your Credit File and Debt
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Module Complete
15. (Included in full purchase)
  Knowledge Check Quiz
13
Dealing with Bailiffs & Enforcement Agents
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  When Bailiffs Can Be Used
3. (Included in full purchase)
  What Bailiffs Are Allowed to Do
4. (Included in full purchase)
  What Bailiffs Cannot take
5. (Included in full purchase)
  How to Deal with a Bailiff Visit
6. (Included in full purchase)
  Stopping Enforcement Action
7. (Included in full purchase)
  Your Legal Rights
8. (Included in full purchase)
  Getting Professional Help Fast
9. (Included in full purchase)
  Case Studies
10. (Included in full purchase)
  Personal Reflection
11. (Included in full purchase)
  Frequently Asked Questions
12. (Included in full purchase)
  Additional Help & Resources
13. (Included in full purchase)
  Knowledge Check Quiz
14. (Included in full purchase)
  Module Complete
14
I've Received a County Court Judgement
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  What is a County Court Judgement
3. (Included in full purchase)
  Can You Stop a CCJ Before It Happens?
4. (Included in full purchase)
  How a CCJ Affects Your Credit & Life
5. (Included in full purchase)
  Paying Within 30 Days vs Paying Later
6. (Included in full purchase)
  Setting Aside a CCJ
7. (Included in full purchase)
  What Happens If You Ignore a CCJ?
8. (Included in full purchase)
  The CCJ Process — Step by Step
9. (Included in full purchase)
  Your Rights Throughout the Process
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
15
Worried My Employer Finds Out
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Attachment of Earnings
3. (Included in full purchase)
  What Employers Can Actually See
4. (Included in full purchase)
  How Wage Deductions Work
5. (Included in full purchase)
  Protecting Your Privacy
6. (Included in full purchase)
  Talking to HR (If Needed)
7. (Included in full purchase)
  Reducing Risk Through Early Action
8. (Included in full purchase)
  Your Legal Rights
9. (Included in full purchase)
  How Employment Can Be Affected
10. (Included in full purchase)
  Getting Free and Confidential Advice
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Module Complete
16. (Included in full purchase)
  Knowledge Check Quiz
16
Council Tax Debt
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Why Council Tax is a Priority Debt
3. (Included in full purchase)
  What Happens If You Don't Pay
4. (Included in full purchase)
  Liability Orders Explained
5. (Included in full purchase)
  Bailiffs and Enforcement Risks
6. (Included in full purchase)
  Setting Up a Repayment Plan
7. (Included in full purchase)
  Support Schemes and Reductions
8. (Included in full purchase)
  Understanding Your Council Tax Bill
9. (Included in full purchase)
  Getting Free Debt Advice
10. (Included in full purchase)
  Debt and Your Mental Wellbeing
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
17
Mortgage and Rent Debt
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Mortgage Arrears and Repossession
3. (Included in full purchase)
  Rent Arrears and Eviction Risks
4. (Included in full purchase)
  Talking to Your Landlord or Lender Early
5. (Included in full purchase)
  Payment Plans and Support Options
6. (Included in full purchase)
  Government Protections
7. (Included in full purchase)
  Staying in Your Home
8. (Included in full purchase)
  Understanding Your Rights
9. (Included in full purchase)
  The Emotional Side of Housing Debt
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
18
Budgeting to Manage Debt
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Creating a Realistic Monthly Budget
3. (Included in full purchase)
  Understanding Your Debts
4. (Included in full purchase)
  Prioritising Debt Repayments
5. (Included in full purchase)
  Cutting Expenses Without Sacrificing Essentials
6. (Included in full purchase)
  Increasing Income
7. (Included in full purchase)
  Emergency Funds v Debt Repayment
8. (Included in full purchase)
  Staying Consistent With Your Plan
9. (Included in full purchase)
  Understanding & Protecting Your Credit File
10. (Included in full purchase)
  When & Where to Seek Free Debt Advice
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
19
Digital Tools for Debt Management
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Budgeting Apps and Trackers
3. (Included in full purchase)
  Automating Payments Safely
4. (Included in full purchase)
  Alerts and Reminders
5. (Included in full purchase)
  Debt Payoff Calculators
6. (Included in full purchase)
  Open Banking Tools
7. (Included in full purchase)
  Pros and Cons of Financial Automation
8. (Included in full purchase)
  Digital Tools For Credit Reports
9. (Included in full purchase)
  Protecting Yourself Online
10. (Included in full purchase)
  When Digital Tools Are Not Enough
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
20
Debt Repayment Strategies
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Understanding Your Debt Landscape
3. (Included in full purchase)
  The Snowball Method
4. (Included in full purchase)
  The Avalanche Method
5. (Included in full purchase)
  Snowball vs Avalanche Comparison
6. (Included in full purchase)
  Hybrid Approaches
7. (Included in full purchase)
  When to Prioritise Certain Debts
8. (Included in full purchase)
  Getting Help with Debt
9. (Included in full purchase)
  Setting Milestones and Goals
10. (Included in full purchase)
  Staying Motivated During Repayment
11. (Included in full purchase)
  Your Credit File and Debt Management
12. (Included in full purchase)
  Case Studies
13. (Included in full purchase)
  Personal Reflection
14. (Included in full purchase)
  Frequently Asked Questions
15. (Included in full purchase)
  Additional Help and Resources
16. (Included in full purchase)
  Knowledge Check Quiz
17. (Included in full purchase)
  Module Complete
21
Settlements & Negotiating Debt Write Offs
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  What is a Full & Final Settlement
3. (Included in full purchase)
  When Lenders May Accept Less
4. (Included in full purchase)
  How to Negotiate a Settlement
5. (Included in full purchase)
  Risks and Credit Impact
6. (Included in full purchase)
  Getting Agreements in Writing
7. (Included in full purchase)
  When This Strategy Makes Sense
8. (Included in full purchase)
  Your Legal Rights as a Debtor
9. (Included in full purchase)
  Free Debt Advice
10. (Included in full purchase)
  Alternatives to Full & Final Settlement
11. (Included in full purchase)
  Case Studies
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete
22
Formal Debt Solutions
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  When Does Debt Become Unmanageable?
3. (Included in full purchase)
  Individual Voluntary Arrangements (IVAs)
4. (Included in full purchase)
  Debt Relief Orders (DROs)
5. (Included in full purchase)
  Bankruptcy Explained Simply
6. (Included in full purchase)
  Impact on Assets, Family Home & Income
7. (Included in full purchase)
  Long Term Credit Implications
8. (Included in full purchase)
  Who Oversees Formal Debt Solutions?
9. (Included in full purchase)
  Choosing the Right Solution
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
23
Joint Debt and Relationships
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Joint Accounts and Shared Liability
3. (Included in full purchase)
  What Happens After a Breakup
4. (Included in full purchase)
  One Partner's Debt Affecting the Other
5. (Included in full purchase)
  Protecting Yourself Financially
6. (Included in full purchase)
  Talking About Debt in Relationships
7. (Included in full purchase)
  Legal Considerations
8. (Included in full purchase)
  Financial Abuse in Relationships
9. (Included in full purchase)
  Your Credit File and Joint Finances
10. (Included in full purchase)
  Case Studies
11. (Included in full purchase)
  Personal Reflection
12. (Included in full purchase)
  Frequently Asked Questions
13. (Included in full purchase)
  Additional Help and Resources
14. (Included in full purchase)
  Knowledge Check Quiz
15. (Included in full purchase)
  Module Complete
24
Rebuilding After Debt
1. (Included in full purchase)
  Introduction
2. (Included in full purchase)
  Understanding Your Starting Point
3. (Included in full purchase)
  Rebuilding Your Credit Score
4. (Included in full purchase)
  Creating a Safety Buffer
5. (Included in full purchase)
  Healthy Use of Credit Again
6. (Included in full purchase)
  Setting New Financial Goals
7. (Included in full purchase)
  Your Emotional Relationship with Money
8. (Included in full purchase)
  Avoiding Old Patterns
9. (Included in full purchase)
  Building Confidence and Stability
10. (Included in full purchase)
  Knowing Your Rights and Protections
11. (Included in full purchase)
  Protecting Your Mental Health & Money
12. (Included in full purchase)
  Personal Reflection
13. (Included in full purchase)
  Frequently Asked Questions
14. (Included in full purchase)
  Additional Help and Resources
15. (Included in full purchase)
  Knowledge Check Quiz
16. (Included in full purchase)
  Module Complete

Dealing With Debt and Financial Stress

Course Curriculum

Dealing With Debt Stress

Behavioural Triggers and Spending Habits

Income Shocks & Life Events

Financial Stress & Mental Health

Building a Clear Debt Picture

Utility Bills & Everyday Arrears

Credit Cards Out of Control

Buy Now Pay Later Problems

Payday Loans & High Cost Credit

Consumer Rights in Debt

Communicating With Creditors

Debt Collection Agencies Are Contacting Me

Dealing with Bailiffs & Enforcement Agents

I've Received a County Court Judgement

Worried My Employer Finds Out

Council Tax Debt

Mortgage and Rent Debt

Budgeting to Manage Debt

Digital Tools for Debt Management

Debt Repayment Strategies

Settlements & Negotiating Debt Write Offs

Formal Debt Solutions

Joint Debt and Relationships

Rebuilding After Debt