See your money position more clearly

Answer nine practical questions and the Wizard will turn them into a Money Map: what looks resilient, what deserves attention and which next move may create the most breathing room.

This is not a financial exam. A low score does not mean you have failed. It identifies where pressure is coming from so you can work on one thing at a time.

Nine-question check-up

Give the Wizard a useful snapshot

Money left in a normal month (£)After essential bills, normal living costs and minimum debt payments. A negative number is okay.

Essential monthly spending (£)Housing, Council Tax, utilities, food, essential transport, insurance and unavoidable commitments.

Accessible emergency cash (£)Cash available quickly without borrowing or selling long-term investments.

High-interest unsecured debt (£)Credit cards, expensive loans and overdrafts. Exclude the mortgage.

Highest APR on that debt (%)Enter 0 if none.

Any priority bills already behind?For example rent/mortgage, Council Tax or energy.

Months until a mortgage deal endsUse 0 if this does not apply.

How predictable is household income?Think about the next six months.

Do you save ahead for irregular annual costs?Insurance, repairs, Christmas and similar.