1. Why do so many people have (so many) debts?




Getting to know the group.

Discussing debt situations




15 minutes

Further information

Exercise helps the participants to settle down. It helps you get talking.

A flipchart is divided into three columns. The columns will not be labeled for the time being.

The participants are now asked about possible causes of debt. The trainer enters the causes in the individual columns. Only the trainer knows which column stands for what.

The first column stands for personal responsibility (e.g. building a house, car, guarantee, installment purchase, wedding, vacation, …)

The second column stands for events/fate (e.g. unemployment, illness, accident, divorce, …)

The third column stands for addictions (e.g Smoking, alcohol, drugs, shopping addiction, gambling addiction, …)

When there are no more requests to speak, the group should find out what the headings of the individual columns are called.

Then the participants can try to “build” stories from the individual elements.

e.g. B. Someone takes out a loan to buy a car. A short time later he becomes ill and unemployed. His income has dropped and he can no longer pay the loan, etc.