Our lifestyle budgets are independent, evidence based, factual and realistic.
We let the facts do the talking …
We equip you with the facts your lawyer, barrister or professional advisor need to achieve the fairest outcome.
Our Lifestyle budgets are typically used for negotiation in financial remedy proceedings, including divorce and Inheritance Act disputes, as well as a starting point for financial and wealth planning.

We equip you with the facts your lawyer, barrister or professional advisor need to achieve the fairest outcome.

We let the facts do the talking …
Our Lifestyle budgets are typically used for negotiation in financial remedy proceedings, including divorce and Inheritance Act disputes, as well as a starting point for financial and wealth planning.
DIVORCE & SEPARATION
INHERITANCE ACT DISPUTES
OTHER SERVICES
DIVORCE & SEPARATION
INHERITANCE ACT DISPUTES
OTHER SERVICES
How it’s done …
Income and Expenditure Analysis:
Pennywise conduct a comprehensive breakdown of our clients’ annual income and expenditure through a thorough analysis of financial statements. In order to carry out this service we require access to information of relevance, including bank and credit card statements. Where required, we can convert foreign currencies into sterling, making the analyses uniform and easy to understand.
This is most useful for …
Challenging Income Needs Schedules
Interim or variation of maintenance
Add-backs
Freezing injunction allowance applications
Future Budget Estimates:
Where there is no historic data, Pennywise can research future costs based on specific living circumstances and provide a categorised estimate of income needs going forward. For example, when moving into a new property we can accurately calculate predicted costs based on geography and postcode; all we need is a set of property particulars.
This is most useful for …
Mediation
Schedule 1 claims
Economic abuse
Relocation within the UK or from abroad
FAMILY LAW
We help you establish what’s fair
If you are trying to secure adequate maintenance, or a one-off settlement, we can help you prepare the best possible budget.
Divorce is hard enough … without the financial settlement being unfair as well.
Ending a relationship is never straightforward, and disputes over money only make things worse.
Divorce & Dissolution of civil partnerships
Interim & Variation of maintenance
Mediation
Schedule 1 claims
Relocation
Economic abuse
Add-backs
Transaction tracking
INHERITANCE ACT DISPUTES
Evidence wins cases
Cases revolve around Schedules of Needs – Disputes over living expenses can drag on for years.
Claimants often lack a viable and realistic Income Needs Schedule.
Pennywise Consultants are lifestyle analysts who create and challenge budgets for dependants making or defending a claim under the Inheritance (Provision for Family and Dependants) Act 1975. Our belief is that Income Needs Schedules should not be best guesses, but that a robust, evidence based schedule is the most successful way to demonstrate a case.
INHERITANCE ACT CLAIMS DON’T HAVE TO BE ‘BEST GUESSES’
We create lifestyle and household budgets for dependants making a claim under the Inheritance (Provision for Family and Dependants) Act 1975. We can help you if you think you should have been left a share or bigger share of the Estate because you have been dependent on the deceased financially in the past.
HOW MUCH IS A DEPENDANT ENTITLED TO, OR NOT ENTITLED TO?
We also help defend unreasonable claims. The claimant might have submitted an over-inflated Income Needs Schedule and you would like to challenge it. In Inheritance Act disputes it is extremely important that the budget is based on needs not wants. It has to be realistic and fair.