| The next step is to total up those monthly outgoings and make sure they fall within your net income. |
| Make a list of your essential regular monthly outgoings and a separate list of your debts. |
| It is a sobering thought that many people under-estimate financial outgoings after retirement. |
| It should take about an hour to note down regular income and outgoings and to identify what you can and cannot afford. |
| They want to know my outgoings, my fixed costs, my capital outlay, my VAT number, my date of incorporation. |
| However, for many whose outgoings simply exceed their income on a regular basis such a loan may prove to be a terrible mistake. |
