what_is_answers.md

Item	Answer
AmbiguousItem.PrivatePension	A private pension is a plan that people may pay into from their earnings, which then will pay back to them when they retire. This is an alternative to the State Pension.
AmbiguousItem.ChildSupport	Child support is sometimes known as child maintenance. This is a regular payment made by a parent for the financial benefit of a child following the end of a significant relationship.
AmbiguousItem.Rent	If you are living in a property you don’t own, you usually pay a regular payment to the owner of that property. This is your rent. {nl} If you own a property and you are renting it out, this applies to the payment you receive from any tenants living in your property.
Housing.Mortgage	A mortgage is a type of loan that a bank or building society lends to you to help you buy a property. It is secured against your home, which means that you may lose your home if you can’t keep up with the repayments.
Housing.SecuredLoan	A secured loan is a loan, other than your mortgage, that you've taken and secured against something you own - usually your property. Your property is then in jeopardy if you're unable to keep up with your repayments.
Housing.MortgageEndowmentPremium	Endowment mortgage repayments combine interest on the mortgage and the premium you pay for the insurance. By the time you've reached the end of the mortgage period, the insurance will have paid off the original loan.
Housing.ServiceChargeOrGroundRent	A service charge is a payment made by a tenant or homeowner towards the cost of services and repairs to a property. Service charges normally include costs for maintenance, repair and insurance of the building and communal areas.{nl}If you are a leaseholder of a property in England or Wales, you normally have to pay a regular payment to the freeholder or landlord of the property. This is known as Ground Rent.
Housing.CouncilTax	Council Tax is an annual fee you pay to your local council. The cost is set by your council and goes towards funding local services.
Housing.ServiceCharge	A service charge is a payment made by a tenant or homeowner towards the cost of services and repairs to a property. Service charges normally include costs for maintenance, repair and insurance of the building and communal areas.
Housing.GroundRent	If you are a leaseholder of a property in England or Wales, you normally have to pay a regular payment to the freeholder or landlord of the property. This is known as Ground Rent.
Utility.Gas	For the purpose of this form, Gas only refers to gas you use from the National grid. If you’re using bottled gas such as Calor Gas, this expenditure needs to go in the ‘other household fuels’ box.
Utility.Electricity	This refers to the amount of electricity you use and pay for.
Utility.Water	This refers to the amount of water you use and pay for. You may pay a flat charge for this or you may be on a meter.
Utility.OtherHouseholdFuels	‘Other household fuels’ relates to any fuels you may be using in your accommodation, other than gas or electricity from the national grid. Examples of this might be oil, coal, solar or Calor Gas. If you use a number of other household fuels, just add them together.
Utility.Coal	Coal is an example of a household fuel you may be using to provide heat in your home.
Utility.HeatingOil	Heating oil is also known as Kerosene or 28-second oil. It is an example of a household fuel you may be using, usually in your central heating system.
Income.Wage	A wage is a regular payment that you earn for either work or services. A wage is normally paid to you on a daily or weekly basis.
Income.StatePension	The State pension is a weekly payment from the government that you receive when you reach State Pension age.
Income.ChildBenefit	Child Benefit is a series of tax free payments aimed at helping parents or guardians cope with the cost of bringing up a child.
Income.PartnersWage	If you are married, or you are half of an established unmarried couple, you also need to note down your partner’s wage.
Income.PartTimeWages	Part time wages simply mean working fewer hours a week over a full time job. Shift work is a good example of this.
Income.RentOrBoardReceived	If you are living in a property you don’t own, your regular payment to the owner of that property is your rent. Board refers to a situation where you are provided with a fixed place to live as well as meals in exchange for money.
Income.PensionCredit	Pension credit is an income-related benefit aimed at people over state pension age.
Income.UniversalCredit	Universal credit is a benefit for working-age people. It replaces six different benefits and merges them into a single payment. It is designed to make claiming benefits easier.
Income.EmploymentAndSupportAllowance	Employment and Support Allowance is money for people who cannot work due to their sickness or disability but who are not getting Statutory Sick Pay.
Income.JobseekersAllowance	Jobseeker's Allowance is an unemployment benefit you can claim while you are actively looking for work.
Income.DisabilityLivingAllowance	Disability Living Allowance is a regular payment for people who have extra care needs or mobility needs as a result of a disability.
Income.IncomeSupport	Income Support can help you cover your costs if you’re on a low income.
Income.WorkingTaxCredit	Working Tax Credit is money provided to boost the income of people who are working on a low wage.
Income.ChildTaxCredit	Child Tax Credit is a benefit that helps with the costs of raising a child for those on a low income.
Income.HousingBenefit	Housing Benefit is money given to help people with housing costs if they are on a low income.
Household.BuildingsAndContentsInsurance	Buildings and contents insurance is placed under the bracket of home insurance. It is a combined insurance that will cover or replace any damage that might occur to a house or its contents, including loss.
Household.TelephoneAndInternet	Telephone and internet relates to the amount you pay for your phones (landline and mobile) and any internet related services. This may or may not be a single package.
Household.TvLicence	A Television licence is a fee you pay in order to watch or record programmes on a TV, computer or other device as they’re broadcast. You also need to pay it if you download or watch BBC programmes on iPlayer - whether that’s live, catch up or on demand.
Household.SatelliteOrCableTv	Satellite and Cable TV are simply two ways of watching TV. As the name suggests, Cable comes through a wire up to your house, and Satellite is wireless until it reaches your house. Both systems are common in the UK so you may pay for either one.
Household.OtherTvServices	Other TV services refers to streaming services you may pay for such as Netflix, Prime or Sky Store, to name just a few. If you pay for more than one, just combine the costs.
Household.RepairsAndServiceContracts	Repairs or Service contracts refers to a written agreement between you and a repairs or service provider. For example, you might pay a repairs contract in case an appliance breaks or a service contract in order to get an annual service for your boiler.
Household.ApplianceRental	Appliance rental is where appliances, such as freezers or tumble dryers can be rented rather than bought outright in order to avoid a single, upfront payment.
Household.Childcare	Childcare relates to other costs relating to a child or children that are not covered under child support.
Household.LifeInsuranceAndPrivatePension	Paying regularly into a life insurance policy means that if you die while covered by the policy, your insurer will pay out a cash sum to your loved ones. A private pension is a plan that people may pay into from their earnings, which then will pay back to them when they retire. This is an alternative to the State Pension.
Household.MedicalOrAccidentInsurance	Medical and accident insurances offer financial help from expenses incurred from illness or injury. They may or may not be combined in a single policy.
Household.Internet	Internet refers to any internet related services you pay for. For the purpose of this form, it is combined with telephone as these are often grouped as a single package.
Household.Telephone	Telephone refers to the amount you pay for your mobile phone and landline. For the purpose of this form, it is combined with internet as these are often grouped as a single package.
Household.Satellite	Satellite television is a service that allows you two watch TV by relaying signals from a communications satellite. If you have a TV you may watch it this way or via Cable TV. Both are common.
Household.CableTv	Cable Television is a service that allows you to watch TV via radio frequency that is carried to your home through cables. If you have a TV you may watch it this way or via Satellite. Both are common.
Household.HouseholdRepairs	Repairs contracts are a written agreement between you and a provider – such as an appliance provider. You might prefer to pay an affordable regular payment rather than a single expensive payment if your washing machine were to break, for example. Repairs and service contracts may be combined.
Household.ServiceContracts	Service contracts are a written agreement between you and a service provider, usually involving an affordable regular payment. An example of this could be an annual service on your boiler. Repairs and service contracts may be combined.
Household.LifeInsurance	Life insurance is a policy you pay into which pays out a cash sum to your loved ones in the event that you die while covered by that policy.
Household.MedicalInsurance	If you pay into a medical or health insurance policy, you can get financial aid for expenses incurred from illness or injury. It may be combined with accident insurance.
Household.AccidentInsurance	Accident insurance offers financial help if you have an unexpected injury – or even a hospital stay. It may be combined with medical insurance.
Household.BuildingsInsurance	Buildings insurance is an insurance policy that covers the financial cost of repairing damage to the physical structure of a property in the event of damage or theft
Household.ContentsInsurance	Contents insurance is an insurance policy that covers the financial cost of replacing your belongings in your home if they are damaged, destroyed or stolen.
Travel.SparesAndServicing	With regard to your vehicle, spares are physical parts of the vehicle that replace failed units, such as wheels or headlight bulbs. Servicing relates to the annual servicing your vehicle will usually undergo.
Travel.RoadTax	You need to pay road tax or vehicle tax on any vehicle that you drive or park on public roads. You are not permitted to drive a car without it.
Travel.CarInsurance	Car insurance is a legal requirement and offers financial protection against accidents, acts of vandalism, theft and damage to your vehicle.
Travel.BreakdownCover	Paying for breakdown cover provides you with roadside assistance if your vehicle breaks down, for instance due to a flat battery or a puncture.
Travel.FuelAndParking	Fuel relates to vehicle fuel such as diesel, petrol that you put in your car. If you have an electric vehicle, this will be covered in the utilities section. Parking refers to any costs you may incur with parking day to day.
Travel.PublicTransport	The most common forms of public transport in the UK are buses, trains and the underground.
Travel.Fuel	Fuel relates to vehicle fuel such as diesel or petrol that you put into your vehicle. If you have an electric vehicle, this cost will be covered in the utilities section.
Travel.Parking	You may regularly have to pay to park your car, in which case you can add that cost here.
Travel.Spares	Spares, or spare parts are the interchangeable parts of a vehicle that are used to replace failed units. A spare wheel for example or headlight bulbs.
Travel.Servicing	Servicing relates to the servicing of your vehicle, which usually takes place once a year.
FoodAndHousekeeping.FoodToiletriesAndCleaningProducts	These are the types of provisions you might pick up in the supermarket during a standard food shop for yourself and all those you are financially responsible for.
FoodAndHousekeeping.SchoolMeals	School meals are meals that you pay for, either for your child or any other children you take responsibility for.
FoodAndHousekeeping.MealsAtWork	Meals at work relate to meals or food items that you purchase in the workplace.
FoodAndHousekeeping.PetsVetFoodAndInsuranceCosts	You may choose to pay pet insurance for your pet. If you do, this is normally a regular monthly or quarterly payment. The amount usually increases as your pet ages.
FoodAndHousekeeping.AlcoholAndTobacco	Alcohol relates to the amount you spend on alcoholic drinks consumed both at home or away from home such as pubs, bars or restaurants. Tobacco relates to the amount you spend on tobacco such as cigarettes or loose tobacco in all its forms.
FoodAndHousekeeping.ClothingAndFootwear	Clothing and footwear relates to any items you may buy for yourself or anyone you take responsibility for. Clothing might include coats, underwear, everyday wear, sportswear, work clothes or jeans. Footwear could include trainers, boots, fashion footwear or work-specific shoes.
FoodAndHousekeeping.PetFood	Whatever pet you may have, you will need to provide it with suitable nutrition to keep it fit, healthy and happy.
FoodAndHousekeeping.PetInsurance	You may choose to pay pet insurance for your pet. If you do, this is normally a regular monthly or quarterly payment. The amount usually increases as your pet ages.
FoodAndHousekeeping.Vet	Most pets will require trips to the vet every so often for vaccination or treatment.
FoodAndHousekeeping.Food	This includes anything you might buy to eat for you or those people take financial responsibility for.
FoodAndHousekeeping.Toiletries	Toiletries include items such as toilet paper, shampoo, shower gel, sanitary products, creams, perfume or grooming products.
FoodAndHousekeeping.CleaningProducts	Cleaning products might include things like washing up liquid, sponges, toilet cleaner, bleach or dishwasher products.
FoodAndHousekeeping.Clothing	Clothing relates to any items you may buy for yourself or anyone you take responsibility for. Examples of this might include coats, underwear, everyday wear, sportswear, work clothes, dresses or jeans.
FoodAndHousekeeping.Footwear	Footwear relates to any items you may buy for yourself or anyone you take responsibility for. Examples could include trainers, fashion footwear, football boots or work-specific shoes.
FoodAndHousekeeping.Alcohol	Alcohol relates to any alcohol you buy for consumption at home or outside of the home in pubs, bars, restaurants or other establishments.
FoodAndHousekeeping.Tobacco	Tobacco relates to the amount you spend on tobacco such as cigarettes or loose tobacco in all its forms.
OtherServices.SchoolTripsAndActivities	School trips and activities are learning opportunities for children that take place outside of school. These often have an additional fee attached that must be paid for by parents or custodians.
OtherServices.MedicinesAndPrescriptions	Medicines refer to off-the-shelf medicines you may buy from a shop or chemist such as pain relief or antihistamines. Prescriptions are provided by a doctor only and you may have to pay a flat fee for these unless you are exempt.
OtherServices.DentistAndOpticians	Dentists, or dental surgeons help keep your mouth, gums and teeth healthy and regular visits are recommended. These visits may be paid for privately or through the NHS. Opticians deal with eyesight and eye health and some aspects of this may also be covered on the NHS.
OtherServices.Hairdressing	This relates to all aspects of hairdressing for yourself and all those you take financial responsibility for. This could include haircuts, colouring or barber shop services such as haircuts, beard work or related grooming.
OtherServices.ProfessionalOrUnionFees	If you are a member of a professional body or organisation, you may have to pay subscription fees. You may also be a member of a trade union and have membership costs associated with this.
OtherServices.EducationFees	There may be instances where education or tuition fees need to be paid. These may form a part of the education system or may be extra curricular.
OtherServices.LaundryOrDryCleaning	Laundry applies to the cost of washing clothes or bedding at a launderette. Dry cleaning is a more expensive washing process which does not require water and is necessary to avoid damage to certain fabrics.
OtherServices.SchoolTrips	School trips are learning opportunities for children that take place outside of school and can range from a few hours to a number of days. They can take place either in or outside of the UK. These often have an additional fee attached that must be paid for by parents or custodians.
OtherServices.Activities	Activities are enjoyable learning opportunities for children that take place outside of school. They often have an additional fee attached that must be paid for by parents or custodians.
OtherServices.Medicines	This refers to all medication and any prescriptions that you pay for. Everyday medication might include pain relief, antihistamines or sleeping aids. You may or may not have to pay for your prescriptions, but if you do, make a note of your costs here.
OtherServices.Prescriptions	Your doctor may give you a prescription in order for you to get specialist medication. When you hand your prescription to a chemist they will ask you to pay a set fee. That cost may be covered by the NHS if you meet certain criteria.
OtherServices.Dentist	Dentists, or dental surgeons help keep your mouth, gums and teeth healthy and regular visits are recommended. These visits may be paid for privately or through the NHS.
OtherServices.Opticians	Opticians deal with eyesight and eye health and some aspects of this may be covered on the NHS.
OtherServices.ProfessionalFees	Professional fees may apply if you are a member of a professional body or organisation.
OtherServices.UnionFees	Union fees or ‘dues’ are a regular payment of money made by members of unions and are the cost of membership. These costs are used to fund the activities which the union engages in.
OtherServices.Laundry	Laundry applies to the cost of washing clothes or bedding at a launderette or similar establishment if you do not have the use of a washing machine or dryer in your home.
OtherServices.DryCleaning	Dry cleaning is a specialist process that uses liquids other than water to clean certain fabrics or clothing.
PersonalAndLeisure.NewspapersAndMagazines	This applies to all newspapers and magazines that you buy either from a shop or by subscription.
PersonalAndLeisure.SportsHobbiesAndEntertainment	These expenses might go towards such things as football clubs or gym memberships, pastimes such as crafting or going fishing, or going to the cinema or bowling.
PersonalAndLeisure.ChildrensPocketMoney	Pocket money is an amount of money that parents or guardians may give to the children in their care. Depending on circumstances, this is normally a small amount of money that can be either spent or saved.
PersonalAndLeisure.ChurchOrCharityDonations	These are charitable donations that are offered for use by that organisation.
PersonalAndLeisure.SundriesAndEmergencies	Sundries and emergencies relate to costs that don’t fit into the categories listed here, but are significant enough to mention.
PersonalAndLeisure.Newspapers	The newspapers you buy might be broadsheets or tabloid papers.
PersonalAndLeisure.Magazines	You may regularly buy magazines from a shop or you may pay a regular subscription for a particular magazine in order to keep the cost down.
PersonalAndLeisure.Sports	Sports that incur additional spend might include sports clubs, dancing, martial arts, gym memberships, horse riding or one-to-one training.
PersonalAndLeisure.Hobbies	A few examples might be buying collectibles, fishing, painting or craft work, joining clubs with like-minded people and many other different types of activity or artistic expression.
PersonalAndLeisure.Entertainment	Entertainment costs could include going to the cinema, theatre, bowling alleys, gaming, karaoke bars, music festivals, comedy gigs or sporting events.
PersonalAndLeisure.ChurchDonations	Church donations are voluntary financial gifts you may give to your local church.
PersonalAndLeisure.CharityDonations	A charitable donation is usually a financial gift to a non-profit organisation.
PersonalAndLeisure.Sundries	Sundries relate to costs that can’t be allocated to a particular category in this form, but are still worth mentioning.
PersonalAndLeisure.Emergencies	Costs relating to emergencies are usually unexpected so may not fit into the categories listed here.