Surviving the Credit Crunch

– essential training for all staff

A half day programme from Diversiton

This is Diversiton’s newest and most requested in house programme.

Feedback from HR Managers

HR Managers are expressing increasing concern as staff start to struggle with higher mortgage payments, personal credit difficulties or ventures into the property market. The general feedback is one of increasing uncertainty, worry and in some cases stress - fuelled no doubt by headlines on falling house prices, repossessions, rising inflation, etc.

There are potentially significant implications in all of this not only for employees but also for employers - with absenteeism rates in particular predicted to increase sharply (and in some cases double) over the next 12 months.  

The programme

The aim of the programme is to address the current uncertainty around personal finance by providing a proper structured forum to highlight the key issues (including credit, loans, mortgages, budgeting, savings, support available etc). Employees will as a result of this programme be better equipped to manage and deal with their own situations. It is a practical, no-jargon session packed with suggestions, tips and essential information.

Objectives

1. To provide up to date info on the credit crunch and what that means for employees.
2. To help individuals to identify potential areas of risk or exposure
3. To explore positive steps that could be taken in a range of areas.
4. To support employees in creating a priority action plan.

Who should attend?

The programme is suitable for staff at all levels across all sectors.

Key points

• What is the credit crunch and how does it affect me?
• Jargon busting - straight talking about money
• Personal financial management skills
• DIY financial check-up – any sign that you might be getting into difficulty? 
• Getting out of debt – the top ten action points
• Reduce your outgoings – pain-free cost cutting
• How to protect and build your credit rating
• Money map – mortgage, credit, debt, savings, etc….
• What happening with the house?
• Building your savings – how you can start that emergency fund today
• Wealth workout – the bigger picture on retirement, pensions and future income
• Sources of free advice and expert help available
• Short term priorities and longer term strategy – let’s get sorted.
• Personal action plan

Location and dates

This programme is delivered across the UK and Ireland on an in-house basis at a location and time to suit your staff.  There is the choice of a morning session (9.30 am – 1.00 pm) or an afternoon session (1.30 pm- 5.00 pm). Please contact us to check availability on dates.

Cost

The half day programme is modestly priced at £295 per session to enable as many people as possible to participate. Each session is suitable for up to 20 people.

Special discounts

Special discounts are available if your organisation books more than 5 sessions. We will deduct 5% from the total cost of all sessions.

Why Diversiton?

There are 7 main reasons why organisations are asking Diversiton to undertake this training.

1. Independence. Diversiton is not linked to any financial institution and will not promote or try to sell any financial products.
2. Value from your training budget. Diversiton is a not for profit business. This means professional training at cost effective rates.
3. Inclusion ethos. Diversiton seeks to promote inclusion and financial sustainability is a key underpinning element in this.  
4. Professional delivery network. Diversiton has a network of professional trainers throughout all areas of the UK able to respond quickly to local needs.
5. Track record. Diversiton has a excellent reputation built over the last 5 years and supported by national awards for its programmes.
6. Professionalism. Diversiton’s courses are interactive, engaging, and well structured to meet individual needs.
7. Technical expertise. Diversiton has sourced the best independent finance specialists in the production of this training material.

Financial diversity

We are all faced with different situations, needs and opportunities in respect of our finances and financial diversity is another element of our individual make-up (like age, beliefs, culture, etc). More and more employers are now recognising that money worries are not something that employees can easily leave at home - particularly as the current economic situation unfolds.

Poor financial management amongst employees can lead to a host of negative responses, including lack of motivation, stress and absenteeism, all of which impact on the employer.

Programmes such as this not only help to create positive options for staff but enable the employer to address important training needs in a proactive and practical way.

Financial Learning

Please note that Diversiton does not provide financial advice. This programme is for information and learning purposes. Individuals are encouraged to take appropriate advice in respect of their personal financial matters

Reservations and payment

Please call us on 028417 54777 or email mail@diversiton.com to check available dates.

We will agree practical details with you, confirm your programme(s) in writing and forward an invoice for payment. Terms are strictly 30 days net. Please let us know about any individuals attending with particular needs. Thank you.

Other 'Credit Crunch' links

HR and the Credit Crunch

Credit Crunch – Trainers required

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