Budget planner.

Let’s put you in control of your finances.

The Real Debt Guy Budget Planner is designed to help you keep on top of your finances. Spending the time to complete this properly will help give you a true picture of your situation, good or bad and where you can improve. Those of you who need to submit an income and expenditure form to your creditors can download your results and email them to your creditors. Alternatively, print them out if you need to post them.

Useful information.

For the best results, it’s important that you fill in the budget planner as accurately as possible. The process takes roughly 20 minutes to complete so go and stick the kettle on and let’s get it done! We also recommend having your financial documents to hand. We’ve created this Budget planner checklist to help you prepare everything before we start.

Simplifying complicated matters.

Complete

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Earnings.

Salary or Wages (after tax)

Guaranteed Bonus/Commission

Statutory Sick Pay (SSP)

Statutory Maternity Pay (SMP)

Property Rental Income

Child Maintenance

Benefits.

Universal Credit

Child Benefit

Child Tax Credit

Sickness and Disability Benefits

Job Seekers Allowance

Employment and Support Allowance (ESA)

Working Tax Credit

Housing Benefit

Personal Independence Payments (PIP)

Attendance Allowance

Carer's Allowance

Maternity Allowance

Pension.

Pension Credit

State Pension

Workplace Pension

Annuity or Private Pension

Student income.

Student Grant

Other income.

Other

Rent/mortgage

Ground Rent

Service Charges

Mortgage Endowment

Building and/or Contents Insurance

Life Insurance

Council Tax

Gas (If Singular)

Electricity (If Singular)

Gas and Electricity

Water

Other Utilities (Coal, oil, calor gas etc)

Maintenance (Window Cleaner etc)

Improvements (Kitchen Upgrade etc)

Other

Other

Allowance/Pocket Money

Health Insurance (If Separate)

Opticians

Prescriptions (health, contact lenses etc)

Childcare

Clothing (uniform, shoes etc)

School Meals

School Trips

Memberships (chess clubs, swimming clubs, after school clubs etc)

Private Tuition

Nappies/Diapers and other baby items

Toys

Other

Other

Groceries (including cleaning products)

Restaurants

Takeaway/Takeout

Laundry/dry cleaning

Beauty (Manicure, Pedicure etc)

Hair

Grooming and Beauty Products

Newspaper/Magazine Subscriptions

Alcohol

Cigarettes/Cigars/E-Cigarettes

Food at work

Mobile Phone

Clothing and footwear

Other

Other

Other

Opticians

Dental care

Health Insurance

Regular Prescriptions (health, contact lenses etc)

Massages

Reflexology

Other

Tuition

Books

Courses

Other

Books / Audible

Hobbies (Gym, clubs, etc)

Music

Sports (Tickets, Memberships)

Netflix

Sky Subscription

Internet Package

Spotify

YouTube Subscription

Cloud Subscription (Apple, Google Drive, One Drive etc)

SoundCloud

Other App Subscriptions

Other

Other

Birthday Gifts

Donations (charity)

Religious Occasions

Other

Other

Fuel

Vehicle Finance (HP, Lease etc)

Maintenance

MOT

Vehicle/Road Tax

Vehicle Insurance

Breakdown Cover

Car Cleaning

Parking Charges/Toll Charges

Public Transport

Taxis

Other

Other

Food

Vet/Medical Costs

Supplies (Toys etc)

Pet insurance

Other

Mortgage/Rent Arrears

Secured Loans

Tax Arrears

Court Fines

Council Tax Arrears

Child Maintenance / Child Support Arrears

Student loans

Other priority debts

Other priority debts

Other priority debts

You're nearly there!

We understand that this can be a long process but keep going, you're almost finished! This is the first step in controlling your finances, you've got this.

Debt 1

Debt 2

Debt 3

Debt 4

Debt 5

Debt 6

Debt 7

Debt 8

Debt 9

Debt 10

Debt 11

Debt 12

Calculate

Click me!

In the red.

What's the verdict, TRDG? Well, the bad news is that it looks like you might have a financial issue. The good news is that you now know about it and can solve it. Are there areas you can trim to put you back in the green? Think about luxuries versus necessities. If not, head over to our I need help with debt section.

We got you!

Zero left.

It's a good job you did this exercise, but don't panic. Are there any areas you could trim? Start with our I want to stay out of debt section and also check out Money and Mindset to consider luxury vs necessity spending

Not bad but you could do better!

Not bad, but you could do better! You may be creeping into an area you don't want to be! Don't worry as our I want to stay out of debt section should keep you right. Please remember to come back to complete the budget planner regularly so you can keep an eye on how you're doing.

Pretty impressive!

Pretty impressive! Good job managing your money! Be careful you don't slip into bad habits! Shoot over to the spend mentality section to keep you right!

In the green.

Whoaa, check you out!! You're managing your money like a pro! But what are you doing with that extra money? Don't worry if you haven't thought of this. We have a Savings vs. Investing article coming soon. In the meantime, this section helps keep you out of debt.

Summary total

Income

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Spending

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Total savings

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Your breakdown

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View summary

We pride ourselves on providing free resources to help empower individuals to take action regarding debt. Why don’t you take this information away and keep it on hand when needed? We want to put you in control.

Budget Planner

To download your results, click the print button and look for the option to “save as PDF”. If you have any issues drop us an email. We got you!

Summary total

Income

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Spending

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Total savings

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Spending Breakdown

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