online budgeting tools @ govan law centre

Help! I'm deep in debt and  need step by  step budgeting  information & advice

work out my monthly income and expenditure   use this calculator to provide a monthly income and expenditure statement, in order to assess realistic payments to creditors.    calculate my bills on a monthly basis and provide an overall monthly budget   this calculator allows you to input all of your bill payments, whether weekly, monthly, annual, or irregular, and work out an overall monthly budget plan.   calculate the cost of my credit card if minimum payments are made   this calculator works out how much interest/money would be paid if you only met minimum credit card payments, and assists the budgeting process to minimise cost.    mortgage re-financing - how much could could I save with a different mortgage?     this calculator allows you to decide whether you could re-mortgage at a lower interest rate.