The Spend FHI includes four donuts to which income and expenditure is allocated:

Income: all sources of income including returned payments

Needs: all essential expenditure

Wants: all discretionary expenditure

Commitments: savings, loans and debt payments. 

Additionally we have identified high cost creditors and debt collectors which always show as red in the commitments tab. 

Below are the categories for income and expenditure according to each FHI, together with a list of high cost creditors and debt collectors.
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Next: Read about income, needs, wants and commitments.

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