This new one-day seminar seeks to develop the skill of managing personal debt.  Debt is a reality in the lives of most individuals and therefore requires skillful management to avoid running into financial difficulty.  Easy access to credit information demands prudent management of personal financial affairs if financial goals are to be met.  Topics will include:

• Maintaining a realistic personal budget

• Distinguishing wants from needs

• Managing change in financial situations

• Relating personal budgets to national realities