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Expected extra income should remain an assumption
A bonus, overtime or hoped-for sale can support a scenario without being certain.
Hiding it within the ordinary-income total obscures what the repayment plan depends on.
Separate confirmed receipts and conditional ones, then show the effect of the latter not arriving. The exercise identifies uncertainty rather than forecasting earnings or prescribing a borrowing ceiling.
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Definitions
- Cash-flow timing
- Dates when income arrives and payments leave, distinct from their total over a month.
- Budget scenario
- An explicit set of income and expense assumptions used to explore a possible payment without treating it as personal advice.