Completing an income and expenditure form

Once you've set up your account, you'll need to add your personal information. This includes your contact preferences and address history for the last three years.

Underneath household details, tell us about:

• Who lives with you
• Your employment and housing status (including if you rent from the council or live in temporary accommodation)
• Any vehicles you own

List any debts you currently have. These could be:

• Mortgage
• Any loans like personal loan, store loan and payday loan
• Vehicle finance
• Overdraft
• Credit card

You need to add the creditor name, who owns the debt, outstanding balances and monthly payments.

Please do not include utility arrears in this section, as those can be added later in the form, under 'My budget' section. 

You can choose how you’d like to complete your budget: 

• Connect to your bank account (fastest and easiest)
• Add your budget manually (if you prefer)

In this section, you'll need to tell us about:

• Any income you receive - wages, benefits, child support, pension payments. Please include the income of any other adults who live with you. You can do this when the form asks, ‘Does your household receive any other income?'.

• Fixed costs - rent, utilities, council tax, travel, childcare. If your rent or council tax is partly paid through support or benefits, it's important to include both your contribution and the full amount. Please add this information, even if the payments are made directly to your landlord, housing provider, or local authority.

• Flexible costs - food, clothing, phone bills, savings.

In the last section of the form, you can review your full financial picture - income, spending, debts, and what’s left over. You can make changes before submitting.

Offers of payment

You’ll be asked what you can afford to pay. If you can’t pay anything right now, enter £0. Let us know if you can make small regular payments, too. This will not affect your eligibility for support.