| Set out what money you have coming in on one side and your outgoings on the other. |
| The next step is to total up those monthly outgoings and make sure they fall within your net income. |
| The family will fill in an application form showing income, outgoings and savings to determine whether they could cover the fees. |
| Tomorrow I shall go over all my outgoings with a fine-tooth comb, looking for other savings. |
| 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. |
