1. Joanna Jarvis MYFLIP Debt & Financial Advice Services

2. Session Plan Balloon Game How good are you with money Quiz Priorities & Consequences Debt Jargon Debt letters review DVD Attitudes to Debt – Facing Bankruptcy Dealing with debt Case Study Financial Advice Services Further Information

3. Introduction What is debt? Understanding Financial Jargon

4. How good are you with Money? Quiz Understanding attitudes & behaviour to money Making positive choices

5. Prioritising Debt & Bills It is a priority? What happens if I don’t pay?

6. What can happen? You could lose your home or be evicted You could lose your home or be evicted You could be cut off from services You could be cut off from services You could get a fine You could get a fine A Sheriffs Officer could take your belongings A Sheriffs Officer could take your belongings You could be taken to court You could be taken to court You could go to prison You could go to prison Your credit rating could go down Your credit rating could go down You could have money taken from your benefits, wages or bank account You could have money taken from your benefits, wages or bank account You could be made bankrupt You could be made bankrupt

7. DVD – A Positive Approach to Debt Facing Bankruptcy! Facing Bankruptcy!

8. Dealing with Debt! CAB advice – Step by Step Guide Debt Busting Tips Case Study Debt Letters

9. Further Information www.midlothian.council.gov.uk www.citizensadvice.org.uk www.moneyadvicescotland.org.uk www.nationaldebtline.co.uk www.cccs.co.uk