The ToolBox is a collection of useful tools to aid you throughout the programme. These tools are used during the programme and are integrated into certain sessions. The ToolBox allows you to gain quick access to these tools.

For more information about the tools within the ToolBox please view the following FAQ’s below.

The Personal Development Record is your personal guide to help you keep track of the progress you are making throughout the Programme.
Each session of the Programme contains a number of activities and reflection exercises which will record your thoughts and key learning points.
By recording these it ensures your thoughts are more likely to translate into actions.

It also enables you to reflect back and measure the progress you are making throughout the Programme.

The Template Letters contained within this programme provide the support you need to produce professional letters which you can adapt to your own personal circumstances and send to your creditors.
The Template Letter Bank contains 19 different letter templates which cover a range of situations you may encounter during the negotiation process.

Once you have completed your creditor details and some key financial information the letters will be produced instantaneously. You can print these and send them on to your creditors as well as keep a record in your personal file for reference.

The budgeting tool contained within the Programme takes you step by step through your income and expenditure and helps you work out how much you can afford to offer to your creditors.

The Budgeting Tool then produces a copy of your financial statement. This is a key document which shows a snapshot view of your finances at any given time. You will need to send each of your creditors a copy of this statement as evidence of your financial situation so it is important that you get it right. The Budgeting Tool will help ensure that you do this and present your financial information in a comprehensive and professional format.

The Audio Bank contains a number of sample conversations with creditors reflecting each stage of the negotiation process covered in Session Four of the programme.
The idea is that by listening to these conversations you will gain knowledge and improve your confidence. This will mean that you will be better equipped to handle your conversations when you actually speak to your creditors on the phone.

The Audio Bank also contains a number of exercises which support Session Five of the programme. These aim to further improve your telephone handling skills helping you take control of the call and remain assertive throughout the conversation.

The Creditor List is your personalised record of your creditors. It includes the name, address and account details of each of your creditors to help you maintain an up to date record.

This information will automatically populate the template letters saving you time and effort as you only need to input the details once rather than for every letter.

The Spending Tracker is a tool to help you record your day to day spending. When working out your expenditure it can be easy to forget the “little” things such as the coffee on the way to work or the odd pound for the office collection. However these “little” items can soon add up.

The Spending Tracker helps you do this and gives you a better reflection of your spending habits. We recommend you keep a track on your spending for at least two weeks and preferably four weeks to ensure you accurately reflect your expenditure.

The Creditor Payment Calculator works out the pro rata payments you need to offer to your creditors.

The most rational and fair way to apportion your disposable income is to divide it between all your secondary creditors in proportion to the total amount that they are owed. This is known as a pro rata payment. The creditor payment calculator works this amount out for you quickly and easily once you have input the required information in to the relevant sections of the calculator.