You have now completed Session One of the Programme. Congratulations!

In this session you have covered the following areas:

1. Why do I need to change?
2. Recognising the reasons for debt
3. Recognising the impact on you, your health and your relationships
4. Recognising your financial goals
5. How committed are you to achieving your goals?

As a result of your learning, your outcomes from the session are that you should have:

Improved self awareness

• You have recognised the fact that you need to change in order take control of your financial situation
• You have identified the reasons underpinning your current situation
• You have recognised the impact worrying about your debt is having on you, your health and your relationships
• You have set yourself financial goals for the future and painted a mental picture of what that will look like
• You have agreed your commitment to achieving those goals to ensure your ultimate aim of financial freedom

My Personal Key Learning Points

Think about what you have learned from this session and make a note of the main points in the key learning box below. This will help to ensure your learning is kept fresh in your mind.

These points will be stored in your Personal Development Record, to enable you to keep track of the progress you are making throughout the programme. You can view your Personal Development Record in the ToolBox at anytime.

Next Steps

In the next session you will be carrying out an analysis of your income and expenditure in order to produce a financial statement which you can present to your creditors.