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Budgetin tuil
A clear monthly pictur is the first step tae bidin in control. Pit in whit comes in an whit gangs oot, an see gin ye hae siller tae spare or a gap tae sneck. It warks for a director's ain budget or a wee company's monthly cash flow.
- Total ootgaeins
- —
- Surplus / shortfaw
- —
Hou it warks
Surplus = income − all outgoings
A positive nummer is siller ye could save or uise tae pey aff debt early. A negative nummer means ye're spendin mair nor ye bring in — wirth daein somethin aboot afore it turns intae borraein.
Wirkit example
Income o £2,500.00 a month again ootgaeins o £2,100.00 laes a surplus o £400.00 — siller ye could pit tae a cash buffer or peyin doun a balance.
Whaur tae gang neist
- Loan affordability sel-check — afore ony borraein decision.
- Oor business loan — the coст, the cap an wha can apply.
- Help wi peyments — gin siller is ticht, speak tae us early.
- MoneyHelper — free, impairtial money guidance backit bi the govrenment.
- gov.uk Business Finance Support — grants an finance ye micht be eligible for.