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Use this form to calculate your free cash each week or month. If you take out a secured loan, can you afford the loan repayments?

INCOME/MONEY COMING IN EACH WEEK EACH MONTH
Wages/salary – Applicant 1
Wages/salary – Applicant 2
Benefits
Maintenance
Contributions from other people in the household
Other income
TOTAL A
OUTGOINGS/MONEY GOING OUT
HOME EACH WEEK EACH MONTH
Rent or Mortgage
Building/Contents insurance
Council Tax
Gas
Electricity
Water
Telephone fixed/mobile
TV license
House repairs/renewals
Other expenditure
TOTAL B
LIVING EXPENSES EACH WEEK EACH MONTH
Food/groceries at home
Food/drinks out
Clothes
Travel
Car
Holidays
Life insurance
Other living expenses
TOTAL C
FINANCIAL COSTS EACH WEEK EACH MONTH
Credit/store cards
Credit/store cards
Credit/store cards
Credit/store cards
Bank charges
Loan repayments
Loan repayments
Other
Other
TOTAL D
 
TOTALS EACH WEEK EACH MONTH
TOTAL B
TOTAL C
TOTAL D
TOTAL OUT (B + C + D = E)
TOTAL IN  (A)
FREE CASH (A – E)