Budget Calculator
Planning your budget
Our budget calculator is a useful tool that can give you an idea of your financial position. Fill in all your monthly income and outgoings, and it will estimate how much money you have left over based on your figures. The more accurate you are with the figures you put in, the more accurate the estimate will be.
Our debt solutions
IVA
IVA stands for Individual Voluntary Arrangement. It is a formal agreement between you and your unsecured creditors, which allows you to make repayments based on what you can afford...
IVA for a Self-Employed
As with a typical IVA, this solution involves making monthly payments to your creditors based on what you can afford each month. This type of IVA can offer a lot more flexibility...
Trust Deed
In a Trust Deed, you make a single monthly instalment towards your unsecured debts. This is based on your income and expenditure, so is tailored to be affordable for your circumstances. You usually make...
Debt Arrangement Scheme
The Debt Arrangement Scheme (DAS) was introduced to Scottish law in 2004. Unfortunately no equivalent solution is currently available to people living in England. As with a Trust Deed, a DAS protects...
Administration Order
If you have a County Court Judgement against you, an Administration Order can prevent your creditors from taking further legal action against you, and protect your assets. Instead of making multiple payments...
Bankruptcy
Bankruptcy is usually considered a last resort for people who are unable to pay off their debts in a reasonable amount of time. The bankruptcy process involves transferring control of your finances to an Official...