Good Debt Advice Handbook

A good debt advice resource, whether that be a handbook or intent guide, is essential for anyone that is experiencing financial difficulties. It enables you to understand more about the financial, legal and professional consequences of each debt solution.

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Information

With so many different options available, Bankruptcy, IVA, Debt Relief Order, Debt Management, Trust Deed, LILA, Consolidation Loan, Administration Order, Debt Arrangement Scheme, it's important that you understand not just the financial consequences of each solution, but also the effect they may have on your career, on your partner's income and on any assets that you own. Knowing the basics will help you to understand what you're being advised and why when you finally speak with a specialist advisor. A good source of online information is the Citizens Advice Bureau AdviceGuide, which provides a wealth of information on a broad range of subjects including debt, money management, savings and benefits. The information the CAB provides is impartial and free.

Tools

Debt tools can not only help you avoid getting into unmanageable debt in the first place by helping you manage your money effectively, but if you do find yourself experiencing financial difficulties, then they can help you to appreciate the full-extent of your problems so you can quickly take appropriate remedial action. For most of us, it's not until we see our income and expenditure written down in black and white alongside our short and long term credit commitments that we begin to fully appreciate the seriousness of our situation, how much we have available to offer to our creditors each month, if anything, and how long it's going to take to repay our debt in full. Debt advice Foundation has a range of debt tools that will help you to get to grips with your finances.

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Personal qualities that support academic success

Students who have the following personal qualities are much more likely to thrive in college.

1. Self-awareness and self-acceptance



2. Proactivity as opposed to reactivity



3. Perseverance



4. Skill in setting short and long-range goals



5. Use of effective support systems



6. Strong emotional coping strategies



7. Understanding a student's rights in college