How to clear your credit cards

If you have a second or third job, then you also need to work out what you have earned from these too.

These may be more casual than your main job, but you should still have payslips, so again see what you have earned in a regular month with no overtime or bonuses.

If you have an employment contract, again your salary should be listed within that. If you only have an amount you are paid per hour listed, then check what hours you do in a week, and multiply that figure by 52 to get the annual salary, then divide it by 12 to get your average monthly earnings.