What you need to start Step 2 It will help to know the following. What money you have coming into How much you spend on everyday your household. living costs. It is best to do your budget first, as the information in it will help you with Step 2. If you haven’t already filled in your budget, take a look at Step 1. Why is this step important? This step has useful tips and advice to help check whether you:  can pay less for your everyday living costs;  are getting everything you should be, such as benefits and tax credits; and  can get any help from a charitable grant. Take a breather if you need to The advice in Step 2 will help you to get the best outcome for your debts. Consider taking a break when you need to Need a or when you see this icon. Do first break? Page 30