Cameron teaches students to pay off debts

Posted on February 23rd, 2012

When Avocet Independent Social Workers undertake a Parenting Assessment we consider the parents’ budgeting abilities, including whether they have accrued debts.  Frequently we find that parents have not been taught from a young age to keep their spending within the scale of their finances.  Once a family gets into debt it is a difficult situation to exit.  The reasons for debts include shopping with credit cards, catalogue shopping or borrowing money from banks and occasionally private money lenders.  Children learn from their parents so if the message is not sent clearly that debt is not family friendly then the cycle repeats its self.

Some of the many consequences of debt are that children go without food and live in accommodation that is cheap and often unfit for purpose.  This could also mean that heating and electricity is not switched on unless it is really essential or not at all.

The message that debt is not a positive option for children needs to sent, not only by parents but banks and the government.  Given the economic situation of the country it seems ironic that the government is not encouraging people to remain debt free.  Our university students are the parents of the future, so why the government would even considered charging students for early repayment of their loans is difficult to understand.  The decision to scrap thoughts of a student and future parent being charged for repaying a loan early is a welcomed.  The message sent is that debt is something to be avoided, particularly if a parent.  The outcomes for children will improve if their parents live debt free.

Avocet Parenting Assessments attempt to assist parents to formulate plans to manage their budgets and encourage them to contact organisations that responsibly assist with the debts.

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