The Money Course is not about debt, although anyone coming on it can be directed to the services provided by CAP - Money Plus and the CAP debt counselling service. It's about ordinary people and a back-to-basics approach. We put this into practise in our own families after attending the training and are already seeing the benefits, although of course, it takes a year or two of saving to cover all that you need to. The main thing is we have thought about it (and believe me, that was challenging). None of us coaches are claiming we are perfect and know all the answers - how many people would come back for the second session if we did?
When people need further assistance from CAP to deal with debt, they are offered a personal approach with home visits. Some clients have been literally hiding in the dark behind closed curtains not answering the phones because of the sheer terror induced by debt collectors, so you can imagine how they feel to have cheerful, friendly people turn up and take away all the paperwork. They never pay debts for clients, but take all the pressure off them by getting creditors to deal only with CAP, who then work out a budget with their clients and negotiate to make repayments affordable. If you want to either attend the Money Course or are in need of support for debt, Nick Fenby from St Mary's Church can let you know when the next course is going to be held or refer you to the CAP debt counselling service. (Nick: 01594 842321 or email firstname.lastname@example.org)
Anyway, to blow away the January blues, watch what happens at CAP Head Office when someone they have helped becomes completely debt-free: