Debt Tools, Information & Advice

Please find below a list of useful debt tools, information and general advice.

Debt Solution Comparison Table

	Debt Management	IVA	Debt Consolidation	Debt Relief Order	Bankruptcy
Will my assets (e.g. house) be protected?	YES	YES	YES	N/A	NO
Will interest be frozen?	NOT GUARANTEED	YES	NO	YES	YES
Will it protect me from my creditors?	NO	YES	NO	YES	YES
Will any of my unsecured debts be written off?	NO	YES	NO	YES	YES
Will unwilling creditors have to cooperate?	NO	YES	NO	YES	YES
Is it a fixed term contract?	NO	YES	YES	YES	YES
Can I continue to spend as normal?	NO	NO	YES	NO	NO
Will I be able to obtain further credit during the term of the solution?	AT A PREMIUM	NO	YES	NO	NO

Monthly Income
Your wages (take home pay)	£ .00
Partners wages (take home pay)	£ .00
Jobseekers allowance	£ .00
Income support/pension credit	£ .00
Tax Credits	£ .00
Pension	£ .00
Child Benefit	£ .00
Incapacity Benefit	£ .00
Other income e.g. lodging income	£ .00
Other	£ .00

Monthly Outgoings
Mortgage	£ .00
Additional Mortgages/Equity Release	£ .00
Mortgage Endowment Policies	£ .00
Rent	£ .00
Utility charges
Council Tax	£ .00
Water Rates	£ .00
Ground Rent or Service Charges	£ .00
Gas	£ .00
Electricity	£ .00
Insurances and Other policies
Household Insurance	£ .00
Other Insurance	£ .00
Pet Insurance	£ .00
Life Assurance	£ .00
Pension	£ .00
Legal Payments
Court Fines	£ .00
Maintenance Payments	£ .00
Travel costs
Hire Purchase Vehicle (car loan)	£ .00
Car Tax	£ .00
Car Insurance	£ .00
MOT	£ .00
Buses/Taxis	£ .00
Other payments
Housekeeping	£ .00
TV Rental and Licence	£ .00
School / Work Meals	£ .00
Clothing	£ .00
Laundry	£ .00
Phone (inc Mobile Phone)	£ .00
Prescriptions and other health costs	£ .00
Childminders	£ .00
Household Food Bill	£ .00
Other Payments	£ .00

Your Personal Budget Results
Total Income:
Total Outgoings:
Total Left For Creditors:

Useful Links

>>> Other Money Calculators
>>> Debt Questions & Answers
>>> Save Money on Your Household Utilities
>>> Financial Mis-selling Claims
>>> Earn an Extra Income to help with Debts

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