Do you think your Employees personal debt problems are not your problem?

The UK national debt hit the £1trillion mark back in the summer of 2004.

Today, like most working days, many people will enter their employer's premises with concerns about their finances and their future. Some people will take a second, or even third job to help pay the bills. This has a massive impact on their ability to perform effectively when "on the job". So personal debt is a problem that does affect employers.

Many employers, particularly in certain industries, have disciplinary policies that forbid employees from getting into debt. This can be counterproductive adding to the pressure the employee already feels and can result in the individual choosing not to disclose information.

With the right strategies, debt can certainly be managed by most people, and in some case consolidation loans are a blessing. However, unless the mindset changes, the individual concerned will eventually fall back into the same trap.

The DebtFree & Happy programme provides a strategy for debt elimination for good. It is not a temporary fix, but a permanent one.

If your employees are just surviving "pay cheque to pay cheque", it is unlikely they will be content. In fact, it is more likely that they will continually seek alternative employment at a higher salary. This means that you have to recruit new people and train them… adding to your own costs.

We encourage employers to have the DebtFree & Happy pack in their resource library. You may also wish to offer the option of additional telephone coaching. Packages based on the number of employees can be provided on request.

Amanda Clarke, MD of OPTIMUM Coaching Limited and creator of the DebtFree & Happy programme says, "The costs of debt to the individual is rising, not only in financial terms, but in emotional terms. Employers are also suffering as the impact of the debt burden filters into the workplace, resulting in poor performance, lack of morale, more recruitment and retraining costs."

Having worked with many people feeling helpless, arguing with partners, beating themselves up emotionally, being worried and becoming physically ill as a result of bad debt… and having worked with Employers that suffer as a result, Amanda used her own experience to develop the DebtFree & Happy concept that will result in less stress, improved morale, stability and much more.

Take a look at the programme for more information. For a copy of the DebtFree & Happy Audio Pack for your resource library click here.

For those seeking assistance with personal debt, please visit DebtFreeandHappy.com