Kate & Emily

This is a ‘scene-setting’ mission, somewhat akin to ‘planning to’ take up keep fit, i.e. going out to get the shoes and leisure wear, without actually getting sweaty in it! Yes the first step of a financial work out requires very little effort and is more of a fact-finding mission. However, by the end of the first step you will have a good idea about what you need to do to tackle your own personal situation and will be ready for the other worksheets.

YOU WILL NEED:

We all want to be better off than we are. For some it’s a bit more urgent than others. If you’re an urgent case then you use this worksheet to help you work out what you’re options are. If you’re a less urgent case, and just dream of a diamond encrusted door knob, then use this worksheet to see if you’ve overlooked a nest egg or can come up with a cunning wheeze to get one… Draw a grid with 4columns. This is what they’re for:

This is a very simple list of what you might have coming in, and going out, on a monthly basis. You need to fill this in after you’ve got to grips with the nuts and bolts of your day-to-day spending. This worksheet helps you crank it up to a global, big-picture view and will either make you smile or cry. But either way, at least you KNOW what the situation is and can do something. No one likes that ostrich feeling and the pit in your stomach only goes when you’re feeling more in control.

INCOME
Calculate your monthly income here

Earnings
Additional earnings
Benefits
Maintenance received