What you need to start Step 1 You need accurate up-to-date information about all your income and spending. This includes the following. Wage slips Benefit Pension- Bank Utility bills statements income statements such as gas, statements electricity and water If all your income and outgoings go through your bank account, most of the information you need will be in your bank statements. You will also need: • your latest letters from your creditors; • a pen or pencil; and • a calculator. Make a start today Gather together the paperwork listed in What you need to start Step 1 at the top of this page. You don’t need to speak to anyone to do this. This step tells you everything you need to know to fill in your budget. We have also included blank budget forms for you to use in the pocket at the end of this guide. As this step aims to help people in lots of different situations, you may find that some advice or questions in the budget don’t apply to your current situation. That’s okay - just move on to the next piece of advice or budgeting question that applies to you. Page 12