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Understanding the problem- Importance of balanced


 We need to understand the difference between responding to an immediate crisis that requires urgent action and a problem that is ongoing & toxic.


 The first time a gift is received it is often appreciated, but by the third time when nothing has changed it can become expected-depended upon –and if we are creating dependency we are not doing good..we have become part of the problem


Read: Toxic Charity  by Robert D Lupton


Debt & Credit

When you are on a low income the real truth is

You can’t afford to pay for yesterday today

“Affordable Credit?

The importance of WHY CREDIT needed, remembering it is abuse of credit that got us into this mess

“   Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness.  Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery." - (Chapter 12)



The importance of why credit?

The issue of debt &  “Poverty” lifestyle needs to be tackled front on like the work carried out by Christians against poverty.  


“We have to be careful when we say ‘affordable’ credit is the answer because unless this is firmly linked holistically to what’s really going on in a persons life credit merely papers over the cracks for a while”