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John C

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Review of the StepChange, Debt advice:

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Learn to use a spredsheet

Stepchange budgeting is no more than a starting point. I find a running spreadsheet to be an essential tool. The cheapest tablet or PC will serve, (but ALWAYS back-up your files). My current sheet was started in Jan 23 and is compiled through to Dec 27. In Dec 26 i made a note of the forecast balance for Dec 27, and the current forecast is within £40 of that. I check my spreadsheet each night against my current account and correct any anomaly. For me, the main benefit is that knowing my situation with reasonable certainty removes all worries. It's easy to balance cash flow by adjusting the timing of flexible payments versus those such as direct debits. I have been using Stepchange for over 10 years to manage a debt of over £50.000 and my forecast debt at Dec 27 will be £1293. In that time I have never missed a payment due to anyone, although on one occasion, by reason of an oversight, my current account dropped to just £12. Reviewed on: 28th May 2026

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