You and your money

An important aspect of personal finance is the way in which individuals and households manage their debt, how much it costs and the different types of credit they can or cannot access. This free course, You and your money, explores these issues, with respect to the wider, changing, social and economic context.

• Introduction
• Learning outcomes
• 1 Debt
• 1 Debt
• 2 Exploration of debt
• 2 Exploration of debt
• 2.1 Debt: concepts and evidence
• 2.2 When are debt levels too high?
• 2.3 Liberalisation in the financial services industry
• 2.4 Structure of the financial services industry
• 3 Debt costs
• 3 Debt costs
• 3.1 Some basics of debt and interest
• 3.2 The official interest rate
• 3.3 More on interest
• 3.4 Annual Percentage Rate (APR)
• 3.5 Interest rates and individuals
• 4 Debt and household finance
• 4 Debt and household finance
• 4.1 Income and expenditure, and debt
• 4.2 Liabilities and expenditure
• 5 The borrowing process
• 5 The borrowing process
• 5.1 How to finance a purchase
• 5.2 Which debt product?
• 5.3 Accessing debt products
• 6 Conclusion
• 6 Conclusion
• References
• Glossary
• Acknowledgements