Life Gets SimplerYour everyday support kitBEFORE PAYDAY

A LITTLE CLARITY, RIGHT NOW

Can I afford this
before payday?

Put the next few days on paper. We’ll help you see where you stand.

01

Your starting point

Which balance should I enter?

Use money you can actually spend, excluding overdraft or credit limits. A negative balance is allowed. Only add a pending debit below if it has not already reduced this figure. Check each account separately if payments leave different accounts.

02

What happens before payday?

Add bills, groceries, transport and other planned spending. Only include income you are sure will arrive. Payday itself is excluded.

Already paid? Update “Money available now” to your latest bank balance, then choose “Already paid / received, included in balance” for settled items. They stay visible but are not counted twice.

Your estimate only covers the payments entered. Check that groceries, transport and pending payments are included.

03

Try an extra purchase

Use an extra purchase that is not already in your list.