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it's 09 Jun, 2024 9:21 am

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This information is about the specific health area mentioned above. It comprises a combination of textual and video information, on our site and on external sites.  We will be adding new specific health areas and further information continually.

The idea is for you to understand more about the health area you are addressing before you get too far building your action plan.

General Information

What Is Debt?  According to Investopedia:
Debt is something, usually money, borrowed by one party from another. Debt is used by many corporations and individuals to make large purchases that they could not afford under normal circumstances. A debt arrangement gives the borrowing party permission to borrow money under the condition that it is to be paid back at a later date, usually with interest.

The Citizens Advice Bureau say about debt: Dealing with money issues can sometimes be off-putting, but if you don’t understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt. The following pages will give you the information you need to make the right choices, including help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.

Wikipedia define debt as: Debt is an obligation that requires one party, the debtor, to pay money or other agreed-upon value to another party, the creditor. Debt is a deferred payment, or series of payments, which differentiates it from an immediate purchase. The debt may be owed by sovereign state or country, local government, company, or an individual. Commercial debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. Loans, bonds, notes, and mortgages are all types of debt. In financial accounting, debt is a type of financial transaction, as distinct from equity.


Background Information

There is information available which will help you formulate your action plan – both on our site and on external sites.

On our site


DebtDrive provides you with all the information from a number of sources. It provides you with guidance and information to enable you to analyse your current situation and how best to tackle the problem. It also provides support from organisations and experts who you can contact for professional advice.

We have relevant information on DebtDrive

ChangeDrive is about the ability to make change happen in your life. How to stand back and evaluate your behavior and how to create new habits. ChangeDrive also has support and experts that can give you advice on turning a vicious circle into a virtuous one.

We have relevant information on ChangeDrive

On external site(s)

There are no links to external information

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In order for you to assess what you know about this health area, we suggest using a questionnaire. This might help you understand your situation in this area, or taking it might improve your understanding of the area.

You may be able to take this questionnaire online – either here on our site or on an external site – or download it and complete it on paper – it depends on copyright (and whether we’ve managed to build it on our site!).

The ways you can take a questionnaire:

More than one external site questionnaire, Questionnaire on our site

Take Questionnaire on our site

You can take a questionnaire on our site. This will score the questions automatically and give you a summary showing what your score means.

You will see our questionnaire first, possibly followed by a tab which may contain a second questionnaire (see above).  If you scroll down you will see links to external questionnaire(s) or downloads if there are any. Scroll down until you get to the right place for you!

Our Questionnaire

We believe the questionnaire at Debt Camel is the most informative on different types of debt and how they affect you.  The questionnaire is copyright Debt Camel and licensed at Creative Commons here.

Welcome to your Retirement Income Questionnaire

What is commonly suggested as a target retirement income?

In 2019-20, what's the most you can receive from the government each year under the full new state pension?

In 2019-20, how many years of "qualifying" National Insurance contributions do you need to make, in order to receive the full state pension?

In 2019-20, what's the minimum amount which your employer must legally contribute to your workplace pension?

How much are you, personally, required to also contribute to your workplace pension (on top of your employers' contributions)?

In 2019-20, when can you start accessing the money you have been saving into your pension (i.e. workplace pensions and private pensions, but NOT your state pension).

When you retire, you can receive an income in a variety of different ways. What is the "income drawdown" option?

What is a "defined benefit" pension?

What is a "defined contribution" pension?

. If you have build up a pension pot, how much are you allowed to legally withdraw as a lump sum, TAX-FREE, once you hit the point where you can start accessing that money (Question 6)?

Take questionnaire on external site

You can take this questionnaire on at least one external site.

The BBC have a debt questionnaire on their News site which you can take online – it’s quite simple but needs some financial information, and gives some useful feedback.

Stepchange have a simple 5 question quiz which shows whether you have debt problems or not.

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A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine

Times of change can be a challenge, no doubt! Whether it’s a relationship breakup, job loss, or being diagnosed with a serious health issue. Or you may WANT things to be different, but it feels a little scary or overwhelming. The butterfly reminds us change can be beautiful, even necessary, in order to realize our full potential and live our best life.