If your circumstances have changed recently, contact us for advice. Our adviser will help you decide whether you need to do a budget now or wait until your finances are more stable. They will tell you what to do in the meantime.
Please fill in the following details. We do not save the information you add to Your personal details. You will need to re-enter this information each time you load the budget.
If you live with a partner, only add their details here if you are dealing with your debts together.
Do you have any assets that can be used for lump-sum payments?
If you live with a partner and you are not dealing with your debts together, contact us for advice before completing this section.
If you have added any additional outgoings when previously working with the budget sheet, can you sum the values and add them into that section's Other amount box.
Don’t include any payments to debts or arrears in this section.
Ground rent and service charges (factor fees if you live in Scotland)
Mortgage
Mortgage endowment
Secured loans
Council tax/rates (including water charge if you live in Scotland and rates in NI)
Appliance and furniture rental (including appliance and furniture HP, conditional sale and so on)
TV licence
Other
Total home and contents per month
Utilities
Amount
How often?
Gas
Electricity
Other costs (including coal, oil and calor gas)
Other
Total utilities costs per month
Water
Amount
How often?
Water supply
Water waste
Total water costs per month
Care and health costs
Amount
How often?
Childcare costs
Adult-care costs
Child maintenance or child support
Prescriptions and medicines
Dentistry and opticians
Other
Total care and health costs per month
Transport and travel
Amount
How often?
Public transport (e.g. work, school, shopping)
Hire purchase or conditional sale vehicle
Car insurance
Road tax
MOT and ongoing maintenance
Breakdown cover
Fuel, parking and toll road charges
Other
Total transport and travel per month
School costs
Amount
How often?
School uniform
After-school clubs and school trips
Other
Total school costs per month
Pensions and insurances
Amount
How often?
Pension payments
Life insurance
Mortgage payment protection insurance
Buildings and contents insurance
Health insurance (medical, accident or dental)
Other
Total pensions and insurance costs per month
Professional costs
Amount
How often?
Professional courses
Union fees
Professional fees
Other
Total professional costs per month
Other essential costs
Amount
How often?
Magistrates' court or sheriff court fines
Total other essential costs per month
Total
If you live with a partner and you are not dealing with your debts together, contact us for advice before completing this section.
If you have added any additional outgoings when previously working with the budget sheet, can you sum the values and add them into that section's Other amount box.
Don’t include any payments to debts or arrears in this section.
We will tell you if your spending seems higher than average.
* Your communications and leisure outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Food and housekeeping
Amount
How often?
Groceries (e.g. food, pet food, non-alcoholic drinks, cleaning)
Nappies and baby items
School meals and meals at work
Laundry
Alcohol
Smoking products
Vet bills and pet insurance
House repairs and maintenance
Other
Total food and housekeeping per month
Important
* Your food and housekeeping outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Personal costs
Amount
How often?
Clothing
Hairdressing
Toiletries
Other
Total personal costs per month
Important
* Your personal costs outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Total
You can include an amount of money for savings in your budget. This has to be 10% or less of the money you have left over to pay your creditors.
The most you can potentially save is £25 per month. For example, if you have £50 per month available you can save £5 per month. If you have £300 available you can save £25 per month.
Please tick this box to show you have thought amount putting money aside for savings (or discussed this with an adviser).
Your potential monthly savings amount.
Tick this box if you don’t want to put money aside for savings.
Total
Priority creditors have stronger powers to get their money back than non-priority creditors and so must be dealt with first. Common priority debts include rent, gas, council tax and income tax. When you add a priority debt, click in the debt type box for a list of priority debts to choose from.
List all of your household priority debts and any payments that you have agreed to make.
Non-priority creditors have less power to make you pay. Common non-priority debts include credit cards, unsecured loans, unsecured overdrafts and catalogues. When you add a non-priority debt, click in the debt type box for a list of non-priority debts to choose from.
List all of your household non-priority debts and any payments that you have agreed to make.
You could offer a token payment of £1 each month to each of your creditors. This may only be a short-term solution but it can give you some time to work out your other options.
Use this space to tell your creditors anything else that you think they might need to know. These notes will appear on your budget.