
Financial Planning Week is currently taking place, from November 22nd to the 28th, and is attempting to show consumers how they can plan their finances in simple ways which will avoid debt problems.
Communications director at the Institute of Financial Planning (IFP), Sue Whitbread, thinks there is more to providing yourself with debt solutions than turning to the professionals.
She says: "Not everybody needs professional advice, which is strange coming from a professional body."
Ms Whitbread makes this point because she says there are so many things people can do for themselves to improve their finances but are not as yet, doing them.
She went on to say that this year consumers were much more worried about their finances.
Kevin Still, Director of Atlantic Financial Management says: "Having an effective household budget is an essential starting point and planning for both regular and seasonal expenditure items, like Christmas, is important. Whilst these plans can be done on paper or on a computer, you must take heed of any cash flow gaps that may trigger debt problems. debt advice can be sensible if there is a constant deficit in the budget."

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