Use realistic household expenses rather than what you wish you spent. Your own affordability decision depends on the same accuracy.
What to check
- Actual food
- transport
- utilities and existing repayment costs
Follow the provider’s exact request. Match the document date, name and account details, then record what you sent and where.
A decision to avoid
Reporting zero for a category that appears regularly in statements.
Your next action
- Use realistic household expenses rather than what you wish you spent. Your own affordability decision depends on the same accuracy.
- Follow the provider’s exact request. Match the document date, name and account details, then record what you sent and where.
- Keep the dated document or reference that supports the answer.
Questions about this decision
What should I check first?
Use realistic household expenses rather than what you wish you spent. Your own affordability decision depends on the same accuracy.
Which information do I need for this decision?
Actual food, transport, utilities and existing repayment costs.
Which mistake should I avoid here?
Reporting zero for a category that appears regularly in statements.
How do I check actual food?
Locate the actual dated record for Actual food. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
How do I check transport?
Locate the actual dated record for transport. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
What should I do if a required detail is missing?
Mark it as unresolved. Ask for that precise detail before choosing; do not substitute an advertised example for your own document.
What is the next practical step?
Follow the provider’s exact request. Match the document date, name and account details, then record what you sent and where.
How can I verify the explanation?
Use the documents listed above. Check quoted amounts and dates in the original record; use the official reference links for the organisation’s guidance.
