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Why we review your DMP

We review your budget to make sure the monthly payment to your creditors is affordable. We do this at least once a year as your circumstances and expenses are bound to change over the course of your plan.

So whether it’s:

  • A new job
  • An annual increase in your bills
  • Replacing an essential household item
  • Moving house
  • Having a baby

We need to make sure that these changes are shown on your budget.

It’s important that you let us know about any changes because there may be different advice we can give you, to help you become debt free quicker.

If you do experience a change in your situation, whether it’s a short term emergency or a long term situation, there’s no need to panic. Simply get in touch with us and we can discuss the best way forward.

FAQs

To work out a calendar-monthly figure, please use the following guide:

Weekly amounts to calendar monthly:
Multiply the weekly amount by 52, and then divide it by 12

For example: £60 per week x 52 weeks = £3,120. Divided by 12 months, is £260 per calendar month.

Fortnightly amounts to calendar monthly:
Multiply a fortnightly amount by 26, and then divide it by 12

For example: £120 per fortnight x 26 fortnights = £3,120. Divided by 12 months, is £260 per calendar month.

Four-weekly amounts to calendar monthly:
Multiply a four weekly amount by 13, and then divide it by 12

For example: £240 per four-weeks x 13 four-weekly periods = £3,120. Divided by 12 months, is £260 per calendar month.

Please contact us if you any help with this.

You will need to have details of your current income, if this has changed since your last review.

You also need details of any monthly expenses that have changed, including rent or mortgage, utility bills, motoring or travel costs and so on. It can be useful to look at a current bank statement to see how much you're spending. It's also useful to keep receipts.

Related links

About your DMP reviews

More information about your DMP