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If you're either shocked or relieved that this couple are still considering holidays, you could have a further look into Lorraine Turner who does not believe that you should lock yourself away while you're dealing with your debts. Chapter 6 Reward Yourself offers suggestions aimed at controlling your spending on a continuing social life. There is information and advice on reasonably priced outings and days out as well as an extensive section devoted to entirely free events and destinations in several locations around the UK. Chapter 10 Bargain Hunting contains an impressive wealth of pointers to cutting expenditure on holidays and on shopping.

This does not mean, however, that she doesn't take your situation seriously. Chapter 4 Cutting your Outgoings offers valuable suggestions and insights on the basic question of reducing spending. If you buy a coffee and a newspaper on your way to work, for example, your daily £1.20 on coffee could add up to something like £300 a year - and you might find the paper in the library. Also you should review your insurance policies and look round for cheaper ones - still offering appropriate cover, of course. Chapter 5 Spy on your Spending tackles a familiar problem - money that just disappears: you can't remember how you spent it. The solution is a spending diary in which you write down everything that you buy and its cost. In addition you itemise your purchase: not Breakfast plus cost, but Coffee and Croissant plus separate costs.

Turner also deals with a more problematic situation. You may need to face the fact that your SPENDING NEEDS CONTROLLING, that you are simply spending too much on yourself or on other people. If your spending is excessive and compulsive, you need professional help.

OTHER DEBT-RELATED TOPICS DEALT WITH IN THE SOURCES

The primary objective of this article is to look at your immediate response to the realisation that you're in a jam. The sources I found, however, do offer a lot more advice and information. Below I summarise some of it.

Although Alex Keen (Life after Debt) has nothing to say about avoiding debt in the first place, he does give a list of warning signs that might help identify the approach of meltdown - for example, the amount on your credit card increasing every month. But Keen nevertheless understands how suddenly problems can turn into a crisis: illness, unemployment, divorce, bereavement, a serious accident are all things that can come out of the blue - and aren't necessarily the debtor's fault.

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