Budgeting

The budgeting tool is an online calculator which helps you list all your household income and expenditure.

 

You can use the budgeting tool to work out how much you’ve got to pay off your non-priority debts. At the end you will be able to print off a financial statement which you can use to come to an agreement with your creditors.

 

A number of charities provide these tools, here are some of the easiest to use;

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