Ideas to fight debt counselling fund closing?

IronWolf

I think CAB is just a plaster for a bullet wound. What we need to do is stop people getting shot in the first place, by better educating children in school about debt and financial management. I learnt a lot in school about how rivers form, enzymes, things that I don't need to know, but was taught nothing about mortgages, the financial system, loans/bankrupcy etc.

ILW

IronWolf wrote: »

I think CAB is just a plaster for a bullet wound. What we need to do is stop people getting shot in the first place, by better educating children in school about debt and financial management. I learnt a lot in school about how rivers form, enzymes, things that I don't need to know, but was taught nothing about mortgages, the financial system, loans/bankrupcy etc.

Most of it is bloody obvious, the problem is that many simply choose to ignore the downside because they "must have it now".

IronWolf

ILW wrote: »

Most of it is bloody obvious, the problem is that many simply choose to ignore the downside because they "must have it now".

Its obvious to sensible people like you and me, but some people need it drilling into them at a young age. Trying to tell my gf that we can't afford to pay "just an extra £20 a week" on rent to get a prettier place means she wont have money to eat gets boring after a while.

ILW

IronWolf wrote: »

Its obvious to sensible people like you and me, but some people need it drilling into them at a young age. Trying to tell my gf that we can't afford to pay "just an extra £20 a week" on rent to get a prettier place means she wont have money to eat gets boring after a while.

Trade her in for a model that is cheaper to run.

lemonjelly

HAMISH_MCTAVISH wrote: »

Well that explains the lemonjelly rant....

But why on earth would people expect to get paid for what should be a charity volunteer position anyway???

This country is unreal sometimes.

Professional debt advisors.... Talk about a non-job!!!

I don't work for CAB. But as usual, you carry on making your assumptions & coming to false conclusions if that makes you happy.

My "rant" as you call it, is because it is an issue I am passionate about.

lemonjelly

silvercar wrote: »

If CAB lose their finance funding, is there anything to stop them spending some of their other money on debt counselling?

Surely the idea behind the Big Society is that more people volunteer to train as CAB debt counsellors to take up the slack that the withdrawing of grant has created?

Funding for projects is ring fenced. A charity will cost a project, & submit bids to trusts, or the PCT, or the LA etc & bid for the funding to fulfil a specific purpose as stated in the proposal. Whoever gives the money will want to see that it is used for the purposes given. Usually they will require statistical & other evidence of the outcomes.

A funder would not allow you to transfer their funds to other projects.

Heyman_2

bendix wrote: »

Why is it the Government's responsibility to 'get people sorted financially'?

Can someone explain to me why that is a government function?

Let's abolish the entire welfare system then - as that is effectively giving people free money when they should be getting off their !!!!!! and making it happen themselves.

Abolish retirement while we're about it too - if those pensioners have the energy to protest about the state pension, they damn well have the energy to do a normal week's work!

ILW

I would suggest that making the consequences of debt a lot more visible may be a good idea in protecting people from themselves.

A few highly publicised repos and bailiffs driving around in large signwritten vans knocking down doors may just get the message across.

Heyman_2

ILW wrote: »

I would suggest that making the consequences of debt a lot more visible may be a good idea in protecting people from themselves.

A few highly publicised repos and bailiffs driving around in large signwritten vans knocking down doors may just get the message across.

What message would that be? Don't ever get in debt otherwise your country will disown you and send you to the dogs?

I thought 'protecting people from themselves' was the last thing you anti-nanny state'ers wanted?

Don't you think a more constructive approach i.e. educating people and providing help for people in difficulty might be better?

ILW

Heyman wrote: »

What message would that be? Don't ever get in debt otherwise your country will disown you and send you to the dogs?

I thought 'protecting people from themselves' was the last thing you anti-nanny state'ers wanted?

Don't you think a more constructive approach i.e. educating people and providing help for people in difficulty might be better?

Making the consequences of over commiting a lot more obvious is a form of education.