A sudden drop in household income caused by a job loss or reduction in hours at work can create financial difficulties for anyone.

Likewise, any increase in your household outgoings such as your mortgage payments or utility bills can soon make your debts unmanageable.

The starting point for any debt solution is to work out your disposable income (your total household income minus your living costs). If the total of your credit repayments is greater than your disposable income, we can help by making your credit payments fit within your budget.

To work out your disposable income please complete the budget calculator below. It may be useful to check through your bank statement whilst doing this.

Disposable Income Calculator:


What is your monthly income after tax?


Do receive any of the following benefits?


Other Income

Your Expenses




Other Expenditure

Your disposable income

Contact us

We can reduce all of your debt repayments so that they fit your current budget. Rules laid out by the Office of Fair Trading state that your creditors 'must allow for affordable repayment proposals from an appointed third party acting on your behalf'. Contact us today to see which debt solution is most suitable for your situation.

To discover more about how to manage your debt and to receive free debt advice, you can visit www.moneyhelper.org.uk or read about options for paying off your debt.