Thursday, September 9 2010
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Your Budget
Business Budget
Why Create a Business Budget?
Sample Budget
A Household Budget Too?
Weekly or Monthly Figures?
Stage 1: Business Income
Stage 2: Business Costs
Stage 3: Drawings
Household Budget
Why Create a Household Budget?
Sample Budget
Weekly or Monthly Figures?
Stage 4: Household Income
Stage 5: Household Outgoings
Stage 6: Money for Creditors
Most Common Outgoings
Interactive Budget Sheet
Interactive Business and Household Budget Sheet
Sample Budget
Assets and Savings
Cashflow Forecast
Debt Advice
Priority Debts
Domestic Rent Arrears
Business Rates
Water Rates
National Insurance Contributions (NICs)
VAT
Tax Credit Overpayments
Parking Penalty Charges
Hire Purchase
Major Suppliers
Mortgage Arrears
Business Rent Arrears
Council Tax
Gas and Electricity Arrears
Income Tax Arrears
Magistrates Court Fines
Maintenance
Equipment Leases
Bank Overdrafts and Loans
What Action Can Be Taken Against You?
Negotiating With Your Bank
Example Offers to Priority Creditors
Secondary Debts
What Are Secondary Creditors?
What If My Creditor Refuses My Offer?
Interest
What If Creditors Harrass Me?
What If My Creditor Takes Court Action?
Free Debt-management Plan
Example of Offer to Secondary Creditors
Further Action a Creditor Can Take
Can I Get Credit Again?
Making Payments and Ways To Pay
Credit Repair Companies
Example Letter to Secondary Creditors
Example Pro-rata Calculation
Fact Sheets
Sample Letters
Increase Your Income
Income Based Jobseeker's Allowance
Income Support
Pension Credit
Working Tax Credit
Benefits and Tax Credits
Child Tax Credit
Education Maintenance Allowance
Housing Benefit
Council Tax Benefit
Other Benefits
Insolvency
Should I Continue Trading?
Bankruptcy
Individual Voluntary Arrangement
Options For Limited Companies
Useful Links
Debt Advice in Scotland
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