Step 2 - List all income and expenditure

Download our Financial Statement and save it on your computer. This is an Excel Spreadsheet with several "tabs" or pages. Fill in all your details in the Household, Income and Expenditure pages.

If you and your partner pool resources for household bills etc., and you have both benefited from the money now owed, then the incomes for both of you should be listed. Be honest and make sure that the expenditure amounts are realistic - refer to past bills for utilities, insurance, groceries etc. as much as possible

The bright yellow area of the Debt page in the Statement will show you how much money you have left over each month to offer to all your creditors.

Forward to Step 3 - Review Your Income & Expenditure

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