phoneTwitterFacebook
ear
 
When everyone has a home

Housing advice for Northern Ireland

Budgeting skills

The key to budgeting is properly understanding how much money is coming in and going out of your household every month. Our tools can help you organise a proper monthly budget.  Once you've done this, our budgeting basics will help you figure out how to set up a repayment plan and make the most of your income.

How can debt advice help?

Debt advice can improve your health and wellbeing as well as your finances. 

You can get free debt advice from lots of charities in Northern Ireland. Every year, these charities help thousands of people take back control of their money.

Read More

Work out how much you earn

Use the income sheet to work out your household's regular income. Use either weekly or monthly figures, and stick to them throughout. If you need help converting the amount into weekly or monthly figures, you can use our converter tool.

Type the figures into the table and the totals will appear when you click on the CALCULATE button. To clear the form click on the RESET FORM button.

Alternatively you can download this form as a PDF.

Work out how much you spend

Use the spending sheet to work out how much your household spends. Use either weekly or monthly figures, and stick to them throughout. If you need help converting the amount into weekly or monthly figures, you can use our converter tool.

Type the figures into the table and the totals will appear when you click on the CALCULATE button. To clear the form click on the RESET FORM button.

Alternatively you can download this form as a PDF.

Quick basic budget

Use the form below to prepare a short financial statement to send to your creditors. Use either weekly or monthly figures, and stick to them throughout. If you need help converting the amount into weekly or monthly figures, you can use our converter tool.

Type the figures into the table and the totals will appear when you click on the CALCULATE button. To clear the form click on the RESET FORM button.

Alternatively you can download this form as a PDF.

Preparing a list of all your income

Use the form below to prepare an income form (IF1) statement in preparation for a court hearing.

Use weekly figures, which will be converted and display also as monthly figures on the generated statement. If you need help converting your amounts into weekly figures, you can use our converter tool.

Type the figures into the table and the totals will appear when you click on the CALCULATE button. To clear the form click on the RESET FORM button.

Preparing a list of all your spending

Use the form below to prepare an expenditure form (EF1) statement in preparation for a court hearing.

Use weekly figures, which will be converted and display also as monthly figures on the generated statement. If you need help converting your amounts into weekly figures, you can use our converter tool.

Type the figures into the table and the totals will appear when you click on the CALCULATE button. To clear the form click on the RESET FORM button.

People who can help you with debts

When you’re in debt it’s not always easy to recognise that you have a problem and need to get help. Learning how to budget effectively is a good first step. The good news is that there are lots of charities and government funded agencies that can help you with this, so you should never have to pay for debt advice.

Read More

Converting amounts

You must make sure your figures are all for the same period of time. It can be tough to convert weekly amount to monthly amounts. These calculators can help. 

Read More