AUSTIN SAMUELS BUDGET PLANNER

Getting on top of your finances is an absolute must when preparing to buy your own home. Even if you haven’t got that deposit saved just yet, get a head start and work out just how much you can afford. Make sure you take ALL monthly costs into account (even annual bills). Our helpful budget planner will really come in handy when your mortgage lender asks you about your outgoings

INCOME

INCOME

Salary/Wages (Net after deductions)
Partners Salary/wages (Net after deductions)
Commission, tips or overtime
Other earnings (Net)
Maintenance/Child Support
Working Tax Credit
Childrens Tax Credit
Child Benefit
Any other benefit income
Interest on Savings
Other income

HOUSING AND UTILITIES

HOUSING AND UTILITIES

Mortgage payments
Rent
Other loans on your home
Council Tax
Service Charge and/or Ground Rent
Buildings/Contents Insurance
Life or redundancy insurance
Water & Sewerage rates
Gas
Electricity
Other Fuel costs
Other housing costs

IMPORTANT EXPENDITURE

IMPORTANT EXPENDITURE

Telephone & Internet (including mobile phones)
Credit card payments
Loan repayments
Maintenance payments
Pension
TV licence
HP or rental payments (car, TV etc)

EVERYDAY EXPENDITURE

EVERYDAY EXPENDITURE

Food & drink
Housekeeping
Travel & fares
Car expenses (petrol/tax/servicing etc)
Childcare (nursery/child minder/ babysitter etc)
Children (pocket money/activities/events)
School meals
Pets (Vets bills/food/insurance)
Cigarettes etc
Clothes and Shoes
Household items (repairs etc)
Health costs (dentist/optician/prescriptions)

OTHER EXPENDITURE

OTHER EXPENDITURE

Entertainment/eating out
Religious and charitable giving
Holidays
Hobbies
Gifts (Birthdays/Christmas etc)
Courses and professional fees
Catalogue/mail order payments