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Debt Basics

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why am I being offered so much credit?
changing credit card provider
borrowing from friends and family
spotting a loan shark
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Debt Bascis

Budget Calculator

Please follow steps 1 through 4 to estimate your budget...
Monthly Income: Step 1
Wages/Salary (take home): £ Bonuses/Overtime: £
Wages/Salary Partner: £ Social Security Benefits: £
Other Income: £    

Monthly Expenses - Home and Services: Step 2
Mortgage/Rent: £ Council Tax: £
Electricity: £ Gas: £
Oil/Coal: £ Water Rates: £
Telephone: £ TV Licence: £
Road Tax: £ MOT: £

Monthly Expenses - Insurance and Food: Step 3
Life Insurance: £ Buildings/Contents  Insurance: £
Health Insurance: £ Car Insurance: £
Food: £ Toiletries: £
Household Goods: £ Dry Cleaning/Laundry: £
Eating Out: £ Clothing: £
Alcohol/Tobacco: £ Newspapers: £
Trade Journals: £    

Monthly Expenses - Other: Step 4
Child Care: £ School Dinners: £
Debts i.e.(Credit Card, loans): £ CSA Payments: £
Pocket Money: £ Haircare: £
Dentist/Optician: £ Prescriptions: £
TV/Video Rental: £ Hobbies: £
Pet Care: £ Petrol/Diesel: £
Travel: £ Car Repairs: £
Miscellaneous: £    

   

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