Your budget may include something towards expenses which you don’t pay every month, such as car repairs, clothing or emergencies.
The amount we show in your budget for these costs are based on an average. For example, if your car repairs cost around £120 a year, we’d put £10 a month in your budget.
We recommend you save these amounts every month so when these occasional costs come around you have the money ready to cover them.
If you have a larger amount of savings, we recommend using them to clear your debts. Contact us for advice if you want to do this.