SAVEANDMAKEMONEY.COM · FREE ONE-PAGE CHECKLIST
Your Payday Reset
What does your money need to cover before you’re paid again?
□ 1 · Start with money available now
Starting date: __________ Next actual pay date: __________
Available balance £__________ (income already received included).
Exclude borrowing limits and money held separately. Do not add income again or include income that has not arrived. Account for pending transactions.
□ 2 · Bills due before that date
Housing, utilities and committed bills: £__________
□ 3 · Essentials over the same period
Food, travel and other essentials, excluding bills above: £__________
□ 4 · Costs not already counted
Required debt payments £__________ Irregular costs £__________
Count each cost once; do not deduct money already excluded from the balance.
□ 5 · Calculate remaining to allocate
Balance − bills − essentials − required debt payments − irregular costs
Remaining £__________ or shortfall £__________
Not a safe-to-spend allowance. Estimates, pending transactions and missing costs can change the result.
□ 6 · Choose one realistic next action
Review a bill, check your budget or seek help with unaffordable essentials.
£2,200 received − £1,100 bills − £650 essentials − £150 debt payments − £100 irregular costs = £200 remaining to allocate.
All categories are separate and cover the same period. Illustration, not a recommended allocation.
Shortfall? Get support if essentials or required payments are unaffordable: saveandmakemoney.com/tools/support-route-finder or visit moneyhelper.org.uk and search for free debt advice. Do not borrow or make optional payments just to force the figures to fit.
No sign-up or bank connection · 8 October 2026 · General educational information.
Calculator: saveandmakemoney.com/tools/payday-reset