![]() Not sure what you spend? Check bank statements and receipts, as well as any banking apps or digital wallets you use. For example, socialising, hobbies and snacks on the go. ![]() Flexible costs: spending that fits around your finances.Your essential costs might also include transport to work, or course materials. Essential costs: things you have to pay regularly or can’t easily skip, such as rent and bills.Think about how much you spend (or need to set aside) for: ![]() Once you’ve got all your income sources, add up the amounts. Divide these by the number of months the money has to last to work out a monthly figure. You may get some of this income in one-off or bulk payments.
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