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‘Money has been a bit tight since Mum had her hours cut, so I don’t think that we can afford the holiday to Spain this year.’

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‘Being out of work for a month before Easter made a dent in our savings, so I think it’s only a few days out this summer.’

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‘Although I only had a couple of days off in almost six weeks, I think that we can afford that trip to London at half term.’

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‘All of my team worked hard for their bonus, so I think that we can consider Disneyland Paris at Easter.’

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‘We were thinking about a skiing holiday this year but that increase in taxes has put an end to that.’

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If Mum and I can both do a few extra shifts over the next couple of months I think we can afford a trip to Alton Towers at Whitsun.’

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‘Last year my overtime payments helped us to afford a trip to Florida, but I can’t see that happening this year.’

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Disposable Income and Tax