Toolbox

Close

Here you will find a collection of useful tools. These relate to the programme and can also be used separately.

Personal Development Record

Keep track of the progress you have made.

Launch

Template Letters

Bespoke letters to send to your creditors

Launch

Budgeting Tool

Prepare your Financial Statement and keep a record of your finances.

Launch

Audio Bank

Listen to phone interviews, get some tips.

Launch

Creditor List

Keep a record of all your creditors.

Launch

Spending Tracker

Keep track of all your outgoings.

Launch

Jargon Buster

Find out what those financial terms mean.

Launch

Creditor Payment Calculator

Works out the pro rata payments you need to offer to your creditors

Launch
Progress - % complete
progress

Session 5.1.2: What impression do I want to make?

First of all you need to consider how do you want to come across to creditors when you are speaking to them on the phone?

Activity: How do I want to sound?
  • Click on the action link above.
  • Think about the image that you would like to project to creditors when you are speaking to them on the phone.
  • Write down your thoughts in the box by listing some of the words which describe the impression you want to make e.g. in control, happy, honest, sincere, trustworthy, calm, positive about the situation.

Remember your creditors have heard all the excuses and apologies in the book, so it is important to convince them that you mean what you say and you want to get in control of your finances. They are more likely to agree to your proposition if you come across in a confident and credible way.

Action

How do I want to sound?