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It provides structured tables for income sources and seven spending sections covering household bills, financial commitments, food and clothes, travel, personal care, and other categories. The planner includes step-by-step methods for converting monthly, quarterly, yearly, and weekly bills into comparable weekly/monthly figures, and encourages tracking receipts to identify cuts. 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If you need support, contact a money advisor listed in the planner.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},243430,1791007839,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":15,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":9},962075114101,"https://ap-avatar.wpscdn.com/avatar/e000253a75eb197efd?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780044092746381165","What is your income?  \nYou need to fill in your total weekly or monthly income beside the items that apply to you. Add your income/s together and place the total in the Total Income box.  \n\n| INCOME | Each\u003Cbr>Week | Each Month | Each\u003Cbr>Year |\n| --- | --- | --- | --- |\n| Wages/Salary (you/partner and/or other) |  |  |  |\n| Benefits |  |  |  |\n| Pension |  |  |  |\n| Maintenance / Child Support |  |  |  |\n| Contributions from People Living with You |  |  |  |\n| Student Loan |  |  |  |\n| Other |  |  |  |\n| TOTAL INCOME | £ | £ | £ |\n\nOverall budget  \n1. Place your total weekly or monthly income in the total income box below.  \n2. Place your total weekly or monthly spend in the total spending box below.  \n3. To find out how much money you have left at the end of each week or month take your total spending amount away from your total income amount and place in Total Left box.  \n\n| TOTALS | Each\u003Cbr>Week | Each Month | Each\u003Cbr>Year |\n| --- | --- | --- | --- |\n| Total Income |  |  |  |\n| Total Spending - (minus) |  |  |  |\n| TOTAL LEFT | £ | £ | £ |\n\nYou may find that you are spending more than you have coming in. Look carefully at your spending, is there anything you can cut down on? Are there cheaper items available? Try keeping all your receipts (eg one week), this will help you see where you are spending your money.  \nIf you feel you are struggling to make ends meet and need help, contact a money advisor atone of the following organisations:  \nDebt Action NI: Freephone 0800 917 4607  \nAdvice NI: 028 9064 5919  \nCitizens Advice: 028 9023 1120  \nStepChange: Freephone 0800 138 1111  \nTo download a copy of this budget [planner visit](planner visit www.consumercouncil.org.uk)[ www.consumercouncil.org.uk](planner visit www.consumercouncil.org.uk)[ ](planner visit www.consumercouncil.org.uk)The Consumer Council, Seatem House, Floor 3, 28-32 Alfred Street, Belfast BT2 8EN  \nComplaints line: 0800 121 6022  \nTelephone/Textphone: 028 9025 1600  \nFax: 028 9025 1663  \nEmail: [complaints@consumercouncil.org.uk](complaints@consumercouncil.org.uk)  \n[info@consumercouncil.org.uk](info@consumercouncil.org.uk)  \nWebsite: [www.consumercouncil.org.uk](www.consumercouncil.org.uk)  \nHome Budget Planner   \nWhere does your money go?  \nKnowing where and how you spend money can help you save. This can help you pay for unexpected bills and plan for occasions like holidays and Christmas.  \nTo create your Home Budget Planner, gather all the paperwork that you need. For example, electricity, phone, gas bills, grocery receipts, bank/credit card statementsand all other spending receipts. To make this budget planner work for you, you must work out your total bills, spending and income either weekly or monthly-stick to this throughout the exercise.  \nHere is a guide on how to work out your budget:  \n\n| Calculating Monthly? | What to Do |\n| --- | --- |\n| Monthly bills | Enter amount in ‘monthly’ column |\n| Quarterly bills (eg telephone) | ÷ 3 |\n| Yearly bills (eg Christmas) | ÷ 12 |\n| Weekly bills (eg PAYG Mobile) | x 52 then ÷12 |\n\n\n| Calculating Weekly? | What to Do |\n| --- | --- |\n| Weekly bills | Enter amount in ‘weekly’ column |\n| Quarterly bills (eg telephone) | ÷ 13 |\n| Yearly bills (eg Christmas) | ÷ 52 |\n| Monthly bills (eg mobile phone) | x 12 then ÷ 52 |\n\nAvailable in other formats on request  \nHow much do you spend?  \nStep by step instructions to work out how much you spend.  \n1. To help you budget, the typical household spend is divided into seven sections.  \n2. Place your weekly or monthly spend for each item in the box that applies to you.  \n3. Add up the items in each section and place the totals in the Total box. You should have seven totals at the end of the exercise.  \n4. Place all seven totals beside the section they apply to in the Spending box.  \nAt different times of the year, you will need to pay annual expenses: eg Christmas, summer holidays, an MOT or a rates bill. Write down the bill amount in the yearly column. To work out how much this annua","cbCaiphBlvktoL6b","https://ap.wps.com/l/cbCaiphBlvktoL6b","pdf",106082,"English","# Income\n## Overall budget\n# How to work out your budget\n## Calculating monthly and weekly bills\n# How much do you spend?\n## Spending sections and totals\n## Annual expenses planning","[{\"question\":\"How do I calculate my total income for the budget planner?\",\"answer\":\"Enter each income item for the applicable weekly or monthly period, add them up, and place the result in the Total Income box.\"},{\"question\":\"What steps help me calculate my weekly or monthly budget correctly?\",\"answer\":\"Fill in total bills, spending, and income consistently on a weekly or monthly basis, then use the guide to convert quarterly/yearly items into weekly/monthly amounts and sum each spending section.\"},{\"question\":\"What should I do if my spending is higher than my income?\",\"answer\":\"Review your spending items to find areas to cut down, look for cheaper alternatives, and keep receipts to see where money is going. If you need support, contact a money advisor listed in the planner.\"}]","Home Budget Planner | PDF",1789204064]