Include loan and credit card repayments, car finance, home, car and life insurance.

Include, gas, electricity and water payments.

Include Sky / Virgin, TV licence, broadband, Netflix, Disney +, Amazon Prime.

Include fuel and parking, public transport, tax insurance, MOT, maintenance, breakdown cover.

Include food, toiletries, clothing and footwear for you and the family.

Include hobbies, leisure activities, gym memberships, meals and nights out.

Smoking, haircuts, household maintenance, church and charity