Survival income planner

What I need to pay every month

Mortgage/rent

£

Loan re-payments (total all)

£

Credit card repayments

£

Home and contents insurance

£

Gas/electricity

£

Telephone

£

Mobile phone

£

Food

£

Council tax

£

Car, including insurance

£

Car tax (divide annual fee by 12)

£

Other expenses

£

Total expenditure

£

Survival income

£

Shocked? Don't worry; this had me breaking out in a cold sweat too. For those of you who are enjoying excellent financial health and your current income exceeds your expenditure, congratulations! Working out your survival income is the first part of assessing your financial health.

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