Markers, and each one has an action

The first one goes first for a reason. Money difficulty carries a real risk here, it is documented, and it is the reason this course handles it at all rather than treating money as a lighter subject.

You have thought about ending your life, or you have thought that the people around you would be better off with the insurance or without the burden of you. Stop reading. Tell somebody today, and contact your doctor or an emergency service today.

You cannot afford food, heating or your medication this week. That is not a state of mind to work through, it is an emergency need, and there are services and funds for exactly it. Contact a free debt advice service or a local welfare service today and say those words.

You are avoiding all post, all calls and all statements, and it has been weeks. Free debt advice, this week, and take the unopened pile with you.

You are gambling, or borrowing in order to gamble. That has its own specialist treatment and the next step but one is about it.

You are drinking or using something more because of money. That goes to your doctor.

You are hiding the debt from a spouse and the hiding has become the bigger problem. Free debt advice services do this conversation regularly and can do it with both of you.

Somebody is threatening you, or the money was not borrowed from a regulated lender. That is a safety matter and it goes to the police and to a debt adviser, not to a course.