Directions: In the question given below, there is a statement followed by three courses of action. On the basis of the situation given you have to decide which of the suggested course(s) of action logically follow(s) for pursuing.

The research of the Dutch Association for Counselling and Psychotherapy reveals that 45% of Netherlands adults suffer from anxiety when it comes to money, with 18% of them experiencing sleeplessness as a result. Thus, a plan is needed to address financial anxiety, as evidenced by the research.

Courses of action:

I. One should make an effort to regain control by avoiding postings, emails, or phone calls about bills and debt.

II. One should look for resources that could assist in debt management and provide better payback schedules.

III. One should consult peers or financial consultants to seek advice and suggestions on debt management.