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Assess Your Financial Situation
Debt Management Plan
General Information
IVA
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£
This is how much you spend every month.
This is how much you save each month (your disposable income) to pay off your debts
If you have negative amount then your expenditure is more than your monthly income. You are not managing your finances properly. Please check where you are going wrong, especially on unnecessary and excessive spending.
Assessing Your Financial Situation It is important that you think very carefully about your income and outgoings. Enter the amounts by referring to your actual bills. Your annual payments for Insurance, TV Licence etc, divide by 12 to calculate your monthly instalments although you may be making yearly payments.
Your Monthly Contractual Payment
Negative amount means that you are struggling to meet your monthly repayments to your creditors. Sort your problem immediately before it gets worst. Please click on the debt form to check by how much your monthly payment can be reduced without you getting into further financial difficulties. You must remember that the lesser the amount the longer it will take to clear your debt. You must at once stop using your credit cards, bank account etc.
