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debt help from DCM Money Solutions
Tony Shipsides, Debt Help Counsellor

Your Local Debt Counsellor is Tony Shipsides
Direct Line :07792892864

....You have no idea how worrying this situation was for me for months. I had tried Payplan before you and they kept me dangling on a string for months. Their consultants were rude and unkind too and they made me feel worse about myself than I was feeling already. I read your advertisement in the Daily Mail one day and I called and spoke to Joanne and I knew instinctively that my worries had been heard......I am not anxious anymore - I do not have any tension when the phone rings and you have already sorted so many of my payments, quicker than I anticipated. Words cannot express my gratitude to you all at DCM - Thank you from the bottom of my heart!!!! You are simply the best ” - Ms G, Wolverhampton
 
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Yahoo! News
Interest Rates

Bank to tread cautiously in face of budget cuts - Reuters poll 

LONDON (Reuters) - Severe budget cuts and the possibility of slower growth ahead will force the Bank of England to wait until the second quarter of 2011 to raise interest rates, according to a Reuters poll of 61 economists.

Other headlines...

Bank's to tread cautiously in face of budget cuts - Reuters poll 

Bank's to tread cautious path in face of budget cuts - poll

Bank Warns Interests Rates Will Stay Low

India hikes rates for fourth time this year

 

Household Bills Calculator

Where does it all go...

 

Household Bills Calculator

Use this simple form below to work out how much money you have left over for unsecured debts. Note that the only debt repayments included are mortgage and car. Leave other debts like credit cards out....for now.

 

Enter as accurately as possible. Use the handy convert buttons by entering a value in the box and press the button to convert to monthly.

 

Things to have to hand to make it even easier, unless you know them of by heart.

A recent bank and/or building society statement so you can enter your household bills

Your loan/mortgage agreements and latest credit card statements

Any annual expenditure items that you don't pay for monthly - such as car tax

NEW OFFLINE WORKSHEET DOWNLOAD AVAILABLE

Download the pdf version of the budget worksheet.
(opens new window, or right-click to save to your PC)

 

Once you have entered all your details, just click the calculate button and it will work out your current income and outgoings. Once done you will be able to forward the details to the debt predictor tool.

Help filling in this form

The inland revenue have a section on allowable expenditure levels (opens new window).We would not advise just using these trigger values but they are useful for indication of expected levels.

Remember that all figures in this form should be monthly. Where there are buttons next to fields such as "convert from annual" this means enter the annual figure in the box, press the button and it will convert it to a monthly figure for you.

Monthly Income
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Monthly Outgoings

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(Interest only or repayment - enter endowment policies below)

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(Interest only or repayment - enter endowment policies below)

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Utility charges
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Insurances and Other policies
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Legal Payments
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Travel costs
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Other payments
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Your Personal Budget Results
Total Income

 

Total Outgoings  
Total left for creditors  

 

free online debt assessment

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