Personal Money Management Infosheets
Budgeting Resources
Credit Action Full Budget Pack pdf
A complete and comprehensive guide to preparing a weekly or monthly budget.
Credit Action Personal one-page Budget Sheet pdf · xls
A 1-page budget template to help you get an overview of your finances. Available in PDF and Excel (.xls) format.
Credit Action Personal one-page Budget and Debt Sheet pdf · xls
A 1-page template to help you budget and work out your to manage your debt repayments. Available in PDF and Excel (.xls) format.
Other useful infosheets
Model letter to Creditors pdf
When you are writing to your creditors you may find this example letter useful as a model.
Further action creditors can take pdf
What can your creditors do, and how should you respond to their actions?
Bank Current Account issues pdf
When experiencing financial difficulties, it is common that current accounts are in overdraft each month. What can be done to avoid charges or declined payment.
County Court procedures pdf
If you receive a county court summons, there are several steps that you should take regardless if you are disputing or accepting the claim.
Mortgage, Second Mortgage and Secured Loans pdf
Your mortgage, second mortgage ro secured loans are your most imporant debts!
Not enough money to cover your outgoings? pdf
Once you have listed and totalled all of your Income and Expenditure (Outgoings), you will know if you have a surplus or deficit each month.
Priority Payments pdf
Priority payments should be made BEFORE any payment is made to an unsecured creditor. It is important that you secure a home for you and your family.
Working out pro-rata Payments pdf
When you are working out your pro-rata payments for your creditors you may find this calculation and example useful as a model.
I'm making reduced payments, - what should I do now? pdf
During the collection process, it is normal for accounts to be passed on to different agencies. There is no need to panic when this happens.
Bailiffs pdf
What are bailiffs legally allowed to do or not do.
Token offers of payment pdf
A token offer of payment is just £ 1 or £2 a month to each creditor.
Consolidation Loans pdf
The advantages and disadvantages of consolidating your debts.
