Follow-up with the debtor prior to the first in-person session to make sure they have reviewed the online materials and are prepared for their first in-person counselling session.
Remind the debtor to bring their completed budgeting template and their income and expense tracking tool to their in-person counselling session.
During the in-person session
Review the purpose and importance of budgeting, as well as all other keys topics in the online modules.
Review the debtor’s budgeting template and income and expense tracking tool.
Ensure the debtor has created a realistic budget and knows how to use an expense tracking method by the end of the first in-person session.
Second counselling stage
Before the in-person session
Follow-up with the debtor prior to the second in-person session to make sure they have reviewed the online materials and are prepared for their second in-person counselling session.
Remind the debtor to bring their completed financial goal-setting tool to their in-person counselling session.
During the in-person session
Review the purpose and importance of financial goal setting, spending habits, and the responsible use of credit, as well as all other keys topics in the online modules.
Review the debtor’s financial goals to ensure they are SMART (Specific, Measurable, Achievable, Relevant, Time-Bound) and help the debtor develop an appropriate plan to achieve these goals after the completion of their insolvency.
