Work out offers of payment to non-priority debts Use the information in the Summary budget for creditors to work out what you have left to offer your non-priority creditors. 1. Take away your Total payments to priority creditors (Box 33) from your Amount left over for your creditors (Box 31). 2. Put this figure in the Total payments to non-priority creditors (Box 35). 3. Box 35 now shows what money you have left to share between your non-priority creditors. If Box 35 shows that you don’t have any money left over for your non-priority creditors, go to No money left to pay your non-priority creditors? on page 90. If Box 35 shows that you do have money left over, the next step is to divide this amount between your non-priority creditors. The best way to do this is by pro-rata distribution. It means that all your creditors get a fair share of what you have available. The largest debt gets the most of what you have left and the smallest debt gets the least. The following explains how to work out your pro-rata payments. You will need a calculator. If you prefer, you can use our online budget. It adds up your figures and does the pro-rata calculations for you. Go to www.nationaldebtline.org and click on Your budget. Work out your pro-rata payments Use your Summary budget for creditors to work out your pro-rata payments. Step 1: list all your non-priority creditors and the amount you owe each of them. Step 2: add up the total amount you owe to all your non-priority creditors (Box 34). You will then need to follow Steps 3 and 4 for each of your non-priority debts. Step 3: multiply the amount you have left over to pay your non-priority creditors (Box 35) by the amount of debt that you owe an individual creditor. Step 4: then divide the figure you worked out in Step 3 by the total amount you owe to all your non-priority creditors (Box 34). This will give you the payment offer you should make to your creditor. You can round this figure up or down to the nearest £1. Page 86