The arrangement is based on the individual’s financial situation, allowing them to make affordable monthly payments for a fixed period. The best way of calculating what you can reasonably afford is by going through your monthly income and expenditure. We will do this with you. What are you left with after you have paid all your essential bills such as rent, council tax, tv licence, food, clothing, travel, telephone bills etc? This is what is known as your disposable income, and this is the amount that is deemed to be what you can reasonably afford to repay.