After you have come to terms with the amounts you owe and how you will be paying them it is
important to stick to a budget so you have the money for the repayments. Alternatively you
may not have major debts but find it difficult to regulate your income every month.

Use our BUDGET CALCULATOR to see your monthly incomings and outgoings

It might help to gather the information you need, such as bills, before you start.

Your income should be more than or equal to your outgoings. If not look at your household expenses, how
much you spend on things such as food, clothing and travel, look at where you can make any savings, e.g.
switching to a different energy supplier. Ask an independent debt advisor, e.g. the Birmingham Law Centre
for advice on the debt and repayments.