Your full business and household budget

This full budget should be an up to date and accurate record of all your business income, business expenses, household income, household expenses and creditors. Check that everything has been included. Log in to your online budget if you need to make any changes. Do not send this full budget to your creditors.

If your full business and household budget is complete, you will be able to see:

all the money you have coming in and going out of your business;
all the money you have coming in and going out of your household;
a list of your priority debts and any payments that you need to make towards these;
how much money you have left over to pay your non priority debts; and
a list of your non priority creditors and how much you should pay to each creditor.

Name:
-

Date of birth:
-

Partner (if applicable):
-

Partner date of birth (if applicable):
-

Address:
-

SFS membership code number:
12884809

Date of statement:
-

Joint or sole budget:
-

Dependant children:
-

Other dependants
-

Number in household
-

Number of vehicles in household
-

Employment:
-

Partner's employment (if applicable):
-

                    Overview

                    Amount (£)

                    Frequency

Total business income
 - 
Monthly

Total business outgoings
 - 
Monthly

Total available drawings
 - 
Monthly

Total household income
 - 
Monthly

Total household outgoing
 - 
Monthly

(Income - outgoings)
 - 
Monthly

(Savings contribution)
 - 
Monthly

Debt admin fee (if applicable)
0.00
Monthly

Total available for priority creditors
 - 
Monthly

Total available for non-priority creditors
 - 
Monthly

Buy-to-let properties

Total income
 - 
Monthly

Total outgoings
 - 
Monthly

Business income
Amount (£)
Frequency

Business takings
 - 
 - 

Average monthly takings
 - 
Monthly

Business outgoings

Business premesis
Amount (£)
Frequency

Business mortgage
 - 
 - 

Secured business loan
 - 
 - 

Business rent
 - 
 - 

Business rates
 - 
 - 

Other business premises costs
 - 
 - 

Total business premesis costs
 - 
Monthly

                        Business utilities

                        Amount (£)

                        Frequency

Business electricity
 - 
 - 

Business gas
 - 
 - 

Other costs (including coal, oil, calor gas etc)
 - 
 - 

Other expenditure
 - 
 - 

Total business utilities costs
 - 
Monthly

                        Business water

                        Amount (£)

                        Frequency

Business water supply
 - 
 - 

Business water waste
 - 
 - 

Total business water costs
 - 
Monthly

                        Business communications

                        Amount (£)

                        Frequency

Business landline
 - 
 - 

Business mobile
 - 
 - 

Business internet
 - 
 - 

Business TV costs (e.g. satellite or cable)
 - 
 - 

Other business communications costs
 - 
 - 

Total business communications costs
 - 
Monthly

                        Business banking (if essential)

                        Amount (£)

                        Frequency

Business credit card
 - 
 - 

Business overdraft & interest charges
 - 
 - 

Business loan repayments
 - 
 - 

Other business banking costs
 - 
 - 

Total business banking costs
 - 
Monthly

                        Staffing

                        Amount (£)

                        Frequency

Wages
 - 
 - 

PAYE
 - 
 - 

National insurance
 - 
 - 

Pension payments
 - 
 - 

Other staffing costs
 - 
 - 

Total staffing costs
 - 
Monthly

                        Business transport & travel

                        Amount (£)

                        Frequency

Public transport
 - 
 - 

Business hire purchase or leased items
 - 
 - 

Business car insurance
 - 
 - 

Road tax
 - 
 - 

MOT & ongoing maintenance
 - 
 - 

Breakdown cover
 - 
 - 

Business fuel parking & toll road charges
 - 
 - 

Other business transport costs
 - 
 - 

Total business transport & travel costs
 - 
Monthly

                        Business insurances

                        Amount (£)

                        Frequency

Business contents insurance
 - 
 - 

Commercial buildings insurance
 - 
 - 

Employers liability insurance
 - 
 - 

Public liability insurance
 - 
 - 

Other business insurances
 - 
 - 

Total business insurances costs
 - 
Monthly

                        Accountancy & VAT

                        Amount (£)

                        Frequency

Accountancy costs
 - 
 - 

VAT
 - 
 - 

Other accountancy costs
 - 
 - 

Total accountancy & VAT costs
 - 
Monthly

                        Other business costs

                        Amount (£)

                        Frequency

Advertising & marketing
 - 
 - 

Stationary and postage
 - 
 - 

Stock and materials
 - 
 - 

Equipment leasing
 - 
 - 

Cleaning and repairs
 - 
 - 

Trade associations and licenses
 - 
 - 

Website and digital costs
 - 
 - 

Other business costs
 - 
 - 

Total other business costs
 - 
Monthly

Total business outgoings

Amount (£)

Total business outgoings
 - 
Monthly

                    Tax and National Insurance

                    Amount (£)

                    Frequency

Estimated tax
 - 
Monthly

National Insurance class 4
 - 
Monthly

National Insurance class 2
 - 
Monthly

Total Tax and National Insurance costs
 - 
Monthly

                    Available drawings

                    Amount (£)

                    Frequency

Total business income
 - 
Monthly

Total business outgoings
 - 
Monthly

Total Tax & National Insurance
 - 
Monthly

Available drawings (total business income -total business outgoings -total tax and National Insurance)
 - 
Monthly

Monthly income

                        Earnings

                        Amount (£)

                        Frequency

Salary or wages (take home)
 - 
 - 

Partner salary or wages (take home)
 - 
 - 

Other earnings (including self employment)
 - 
 - 

Total salary and wages each month
 - 
Monthly

                        Benefits and tax credits

                        Amount (£)

                        Frequency

Universal credit
 - 
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Jobseeker's allowance (income based)
 - 
 - 

Jobseeker's allowance (contribution based)
 - 
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Income support
 - 
 - 

Working tax credit
 - 
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Child tax credit
 - 
 - 

Child benefit
 - 
 - 

Employment and support allowance or statutory sick pay
 - 
 - 

Disability benefits
 - 
 - 

Carer's allowance
 - 
 - 

Local housing allowance/ Housing benefit
 - 
 - 

Council tax support
 - 
 - 

Other benefits/ tax credits (e.g. maternity benefits)
 - 
 - 

Total benefits and tax credits each month
 - 
Monthly

                        Pensions

                        Amount (£)

                        Frequency

State pensions
 - 
 - 

Private or work pensions
 - 
 - 

Pension credit
 - 
 - 

Other pensions
 - 
 - 

Total pensions each month
 - 
Monthly

                        Other income

                        Amount (£)

                        Frequency

Maintenance and child support
 - 
 - 

Boarders or lodgers
 - 
 - 

Non-dependants' contributions
 - 
 - 

Student loans and grants
 - 
 - 

Other income
 - 
 - 

Total other income each month
 - 
Monthly

Monthly outgoings: fixed costs

                        Home and contents

                        Amount (£)

                        Frequency

Rent
 - 
 - 

Ground rent & service charges (factor fees if you live in Scotland)
 - 
 - 

Mortgage
 - 
 - 

Mortgage endowment
 - 
 - 

Secured loans
 - 
 - 

Council tax/ rates (including water charge if you live in Scotland and rates in NI)
 - 
 - 

Appliance and furniture rental (including appliance and furniture HP, conditional sale and so on)
 - 
 - 

TV licence
 - 
 - 

Other costs
 - 
 - 

Total home and contents each month
 - 
Monthly

                        Utilities

                        Amount (£)

                        Frequency

Gas
 - 
 - 

Electricity
 - 
 - 

Other costs (including coal, oil, calor gas etc.)
 - 
 - 

Other expenditure
 - 
 - 

Total utilities cost each month
 - 
Monthly

                        Water

                        Amount (£)

                        Frequency

Water supply
 - 
 - 

Water waste
 - 
 - 

Total water cost each month
 - 
Monthly

                        Care and health costs

                        Amount (£)

                        Frequency

Childcare costs
 - 
 - 

Adult-care costs
 - 
 - 

Child maintenance or child support
 - 
 - 

Prescriptions and medicines
 - 
 - 

Dentistry and opticians
 - 
 - 

Other costs
 - 
 - 

Total care and health costs each month
 - 
Monthly

                        Transport and travel

                        Amount (£)

                        Frequency

Public transport (e.g. work, school, shopping)
 - 
 - 

Hire purchase or conditional sale vehicle
 - 
 - 

Car insurance
 - 
 - 

Road tax
 - 
 - 

MOT and ongoing maintenance
 - 
 - 

Breakdown cover
 - 
 - 

Fuel, parking and toll road charges
 - 
 - 

Other costs
 - 
 - 

Total transport and travel costs each month
 - 
Monthly

                        School costs

                        Amount (£)

                        Frequency

School uniform
 - 
 - 

After-school clubs and school trips
 - 
 - 

Other costs
 - 
 - 

Total school costs each month
 - 
Monthly

                        Pensions and insurances

                        Amount (£)

                        Frequency

Pension payments
 - 
 - 

Life insurance
 - 
 - 

Mortgage payment protection insurance
 - 
 - 

Buildings and contents insurance
 - 
 - 

Health insurance (medical or accident or dental)
 - 
 - 

Other costs
 - 
 - 

Total pensions and insurances cost each month
 - 
Monthly

                        Professional costs

                        Amount (£)

                        Frequency

Professional courses
 - 
 - 

Union fees
 - 
 - 

Professional fees
 - 
 - 

Other
 - 
 - 

Total professional costs each month
 - 
Monthly

                        Other essential costs

                        Amount (£)

                        Frequency

Total other essential costs each month
 - 
Monthly

Monthly outgoings: flexible costs

                        Communications and leisure

                        Amount (£)

                        Frequency

Home phone, internet, TV package (including film subscriptions)
 - 
 - 

Mobile phone
 - 
 - 

Hobbies, leisure or sport (e.g. socialising, eating out, outings, clubs, leisure courses)
 - 
 - 

Gifts (e.g. birthdays, festivals, charity donations)
 - 
 - 

Pocket money
 - 
 - 

Newspapers, magazines, stationary and postage
 - 
 - 

Other costs
 - 
 - 

Total communications and leisure costs each month
 - 
Monthly

                        Food and housekeeping

                        Amount (£)

                        Frequency

Groceries (e.g. food, pet food, non-alcoholic drinks, cleaning)
 - 
 - 

Nappies and baby items
 - 
 - 

School meals and meals at work
 - 
 - 

Laundry and dry cleaning
 - 
 - 

Alcohol
 - 
 - 

Smoking products
 - 
 - 

Vet bills and pet insurance
 - 
 - 

Household repair and maintenance
 - 
 - 

Other costs
 - 
 - 

Total food and housekeeping costs each month
 - 
Monthly

                        Personal costs

                        Amount (£)

                        Frequency

Clothing and footwear
 - 
 - 

Hairdressing
 - 
 - 

Toiletries
 - 
 - 

Other costs
 - 
 - 

Total personal costs each month
 - 
Monthly

Total monthly outgoings

                    Total monthly outgoings

                    Amount (£)

Total fixed costs each month
 - 

Total flexible costs each month
 - 

Total costs each month
 - 

                    Savings

                    Amount (£)

Total costs each month
 - 

Confirmation that a monthly contribution to savings has been considered (or discussed with an adviser)
 - 

Debt admin fee (if applicable)

Total fee each month
0.00

Your priority debts

                        Creditor

                        Owed (£)

                        Offer

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Total priority debts
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Your non-priority debts

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Total non-priority debts
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Token payments
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Additional notes

(e.g. reasons for debt, circumstances, temporary situations)

PLEASE NOTE: previous comments will be shown here

If this budget is sent by email, please take it as a signed copy.

Signed:

Date: