That is a little early, to be frank, unless you have experienced a dramatic change in circumstances.
The guidelines that a lot of firms use are based on the CCCS model - in my opinion outdated and unrealistic, but it still seems to have some credibility amongst some lenders.
I propose a new virtual reality TV programme based upon bank CEOs' being forced to live for 28 days on the CCCS guideline expenditure!!!!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
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