Past performance is no indication of future performance. The value of most investments and the income from them can fall as well as rise and is not guaranteed. IFA Promotion can accept no liability for any action which an investor takes based on this information. This brochure is issued on behalf of Britain’s Independent Financial Advisers and has been approved by a person authorised and regulated by the Financial Services Authority. This brochure is based on IFAP’s understanding of current legislation and tax regime which  is liable to change in the future. The value of tax benefits will depend on your personal circumstances. The name IFA Promotion^® and the Independent Financial Adviser (IFA) logo^® are registered trademarks of IFA Promotion Limited.

MONEY COMING IN (MONTHLY)
Earnings		Other Sources of Monthly Income
Your monthly take-home pay £		Income from savings and investments £
Your partner's monthly take-home pay £		Rent from tenants / lodgers £
		Other £
MONEY GOING OUT (MONTHLY)
The basics		The 'luxuries'
Mortgage / rent £		Lunches / coffees (not homemade) £
Council Tax £		Eating out / social drinking £
Gas £		Outside entertainments (eg cinema) £
Electricity £		Gym / health club / golf club £
Water £		Hair beauty treatment £
Telephone £		Home entertainments (eg CDs / DVDs) £
TV licence £		Satellite, cable and digital TV £
Groceries £		Magazines/Newspapers £
Clothing £		Mobile phone bill £
Childcare costs £		Lottery tickets / betting £
Maintenance / Alimony payments £		Other £
Vehicle running costs £		Non-mortgage debts
Other travel costs £		Credit card / store card repayments £
Insurance (home, life, motor) £		Personal loan repayments £
Other £		Other £
MONTHLY SAVINGS
Stockmarket / fund investments (eg equity ISA) £		Savings account / cash ISA / savings bond £
Other £
AMOUNT LEFT OVER TO SAVE MONTHLY

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