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Step 2.9

More Positive Action

Your To Do List

• List all your debts on a piece of paper
• Identify the debts needing your immediate attention
• Preferably write but do contact immediately those you owe money to
• Download the budget sheet or make up one yourself
• Fill in a budget as accurately as possible
• Do a spending diary for a week or two
• Did you check your social welfare entitlements
• Are your income tax affairs up to date. When did you last fill in a tax form?
• Take your expenditure from your income to see what you can afford to give to your creditors

Derek Teeling- MABS Money Advisor

"Budgeting is not mysterious. You need some time to make your money plan. Start now. Make your budget work for you."

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