Impressive Detached FarmhouseDesirable LocationFormal Gardens of 3/4 AcreDrawing room & Dining RoomStudy & Breakfast RoomBespoke Kitchen & Utility5 Bedrooms & 2 En SuitesAttached 2 Storey AnnexeSwimming Pool ComplexDriveway, Carport & GarageStunning Views to CountrysideViewing Strictly by Appointment House-Homes For Sale 6 bed in Churchill Somerset United Kingdom find Churchill properties
Spacious property Kitchen Utility 2 large reception rooms Study 4 bedrooms Bathroom Shower room Rear porch Cellar Large garden Garage Outbuildings Oil fired central heating Set in open countryside Motorway networks easily accessible AVAILABLE FROM 1 FEBRUARY 2012 * Please quote ref. 5684998 when enquiring about this property. Phone lines open Mon - Fri 8am - 8pm Sat, Sun & public holidays 9am - 4pm
Set back from a quiet lane with southerly views, this 18th Century 4-5 bed house (3,421 sq ft) offers separate accommodation (667 sq ft) if required, with enclosed and private grounds of about 0.62 acres. The principal reception rooms are at first floor level, taking full advantage of the southerly views of the surrounding countryside. The drawing room with vaulted ceiling has doors leading out to the covered balcony with stone stairs down to the garden. Further rooms on the first floor include kitchen/breakfast room with floor and wall mounted units and 4-oven Aga, dining room, study, and WC. At ground floor the master bedroom has an en-suite bathroom and dressing room/bedroom 5. A family bathroom with Jacuzzi bath, shower and sauna, utility room and further WC with shower. A cellar provides further storage. Accessed either from the first floor of the house by a gallery link or by spiral stairs outside the porch, is a studio/guest room with kitchen area, sitting room/bedroom and WC/shower room. Outside, the drive leads to parking and triple garage with WC and external store. Private gardens are laid to lawn. In all about 0.62 acres. Bristol 14 miles, Bristol Airport 6.5 miles, Yatton main line railway station 4 miles, Congresbury 2 miles, Weston super Mare 8 miles (distances approximate)
The property is approached by a paved pathway, leading up to canopy porch with lantern light and double glazed entrance door. The foregarden is laid to lawn with fencing and hedging to the side and gravel border beds. Porch Double glazed leads in to, HALLWAY Having panel radiator and doors leading off to KITCHEN Having double glazed window to the front of the property, range of base cupboards incorporating drawers, complimentary work surface, matching wall cupboards, tiling to splash backs, stainless steel single bowl sink with mixer tap over, space and plumbing for washing machine and space for fridge freezer. LOUNGE Door leads from the Hall into the Lounge having door to under stairs storage, panel radiator, double glazed window overlooking the garden and double glazed door leading out to the garden. FIRST FLOOR ACCOMMODATION Stairs rise from the Hall with hand banister rail up to the Landing having double glazed window to the side of the property, door to airing cupboard housing hot water tank and slatted shelving, also having loft access. and doors off to BEDROOM ONE Having double glazed window to the front of the property and panel radiator. BEDROOM TWO Having double glazed window overlooking the rear of the property, double built-in wardrobe with sliding doors, hanging rail and shelving. BEDROOM THREE Having double glazed window to the rear of the property, spots to the ceiling and panel radiator. FAMILY BATHROOM Having double glazed obscure window to the front, panel bath, pedestal wash hand basin, low flush WC, tiling to splash backs and panel radiator. OUTSIDE REAR GARDEN Door from the Lounge steps out onto a decked patio area, fencing to all sides, shrubbery bed, lawned area and personal gate leading out to the rear where there is a garage in a block.
First Floor flat Very good location for transport links including A2/M2, M25 and Fast Track Bus links to Dartford Train Station, Bluewater Shopping Centre and Ebbsfleet International Train Station. Also very close to Lakeside Shopping centre, just over the QE2 bridge. Allocated parking space and plenty of visitor bays. It has a large living room which I have a big corner sofa and dining table in and it still feels very spacious! This has wooden flooring and an economy 7 space heater. The double bedroom has large fitted wardbrobes an electric radiator and is carpeted The bathroom has an extractor fan and electric heater with wood effect vinyl flooring. There is an entrance phone system in the hallway which has wood flooring. The kitchen has fitted units all round and on one wall. This has Amtico Tile flooring.
REFNO:2308. The Lodge is set at the entrance to the beautiful Eskdale Estate which lies in a peaceful valley in the western Lake District, surrounded by breathtaking scenery. The estate is totally untouched by public roads, with the hidden gem of the golf course lying at its heart. Eskholme Lodge is a charming, detached, bay-windowed holiday cottage, with a secluded, enclosed garden, just a few hundred yards from fishing on the peaceful River Esk, the immaculate 18-hole golf course, the wilderness of Muncaster Fell and the beauty of the woods. Muncaster Castle and the famous steam trains on the Ravenglass railway are close by. Shop and pub 2 miles. Step to entrance. Living room with wood-burning stove and bay window with countryside views. Sitting room with sofa bed (for +2) and bay window with woodland view. Kitchen/dining room. Shower room and toilet. First floor: Two double bedrooms. Twin bedroom. Bathroom with over-bath shower and toilet. Wood-burning stove - fuel inc Elec, full oil CH, bed linen and towels inc Cot and h/chair on request Sky TV (inc sports channel) DVD CD M/wave W/machine D/washer F/freezer Enclosed garden with furniture Shared use of 1700-acre partial landscaped and natural unspoilt woodland with golf course Ample parking Secure cycle store Fly fishing at cost Golf by arr at cost No smoking NB: Lake and river in woodland. http://www.arkadia.com/thdy-t1558/
REFNO:8192. The Eskdale Estate is set within a peaceful valley in the western Lake District, an area of sparkling beauty. Unique in having so much contained in one boundary, it is totally untouched by public roads, with the hidden gem of the golf course lying at its heart. High Eskholme is a charming detached, mullioned window holiday cottage, with a secluded garden which lies on the edge of the pretty golf course, just a few hundred yards from fishing on the peaceful River Esk, the wilderness of Muncaster Fell and the beauty of the woods. Muncaster Castle and the famous steam trains on the Ravenglass railway are close by. Shops 3 miles, pub 2 miles. Living room with open fire and mullioned windows. Sitting room with sofa bed (for +2). Spacious modern fitted farmhouse-style kitchen/dining room with slate flagged floor. Utility. Sun porch. First floor: Double bedroom, en-suite bathroom with over-bath shower and toilet. Two twin bedrooms. Shower room and toilet. Open fire - fuel inc Elec, full oil CH, bed linen and towels inc Cot and h/chair on request Satellite TV (inc Sky sport) DVD Radio/cassette/CD M/wave W/machine D/washer Freezer Tel - incoming only Secluded garden, furniture Shared use of 1700-acre partial landscaped and natural unspoilt woodland with golf course Parking Cycle store Fly fishing at cost Golf by arr at cost No smoking Friday to Friday NB: Lake and river in grounds. http://www.arkadia.com/thdy-t6209/
REFNO:3156. This stunning modern house is one of a small row located in the Cotswold Water Park, a justly renowned holiday destination and a SSSI. Swallow’s Nest lies on the private Lower Mill Estate and visitors have complimentary use (excluding treatments) of the well-equipped Art Spa on site. The spa boasts two heated slate-lined swimming pools and the UK’s first eco-pool in which the water is purified entirely by plants rather than by chemicals. A gym and steam room complete the facilities available free for visitors. The water park offers a host of other activities and is part of an internationally famous nature reserve where a large variety of wildlife can be observed in total tranquillity. Other areas cater for water sports including sailing, jet skiing and fishing. The wonderful countryside of the Cotswolds surrounds the water park and attractions such as Bath, Oxford, Cirencester and Cheltenham are all within easy reach. Shop 300 yards, pub 1½ miles. Double bedroom with wooden floor, patio doors to lawned area, and en-suite bathroom with over-bath shower and toilet with ceramic-tiled floor. Twin bedroom with wooden floor and patio doors to lawned area. Further twin bedroom with wooden floor. Shower room and toilet. First floor: Spacious living/dining room with wood-burning stove, wooden floor and patio doors open-plan with large well-equipped kitchen area with breakfast area and wooden floor. Study. Second floor: Double bedroom with four-poster bed, TV, Velux window and en-suite shower room and toilet. Wood-burning stove - initial fuel inc, thereafter avail locally Elec, full gas CH, bed linen and towels inc T/cot H/chair Two Freeview TVs DVD CD M/wave Washer/dryer D/washer F/freezer Wireless broadband Two fold-up beds (for +2) Small lawned garden with terrace and furniture Shared 450-acre lawned and landscaped grounds BBQ Parking (for 1-2 cars) Shared outdoor heated eco swimming pool (25m x 10m) and shared indoor heated swimming pool (25m x 10m) with changing and shower facilities Shared spa with gym, sauna, steam room and beauty parlour Shared tennis court No smoking Friday to Friday NB: Unfenced lakes in grounds. http://www.arkadia.com/thdy-t9483/
REFNO:2840. A unique award-wining project in the heart of the Cotswolds, the Lower Mill Estate is a nature reserve (including SSSIs) covering 450 acres of managed parkland, rivers (including the Thames) and lakes, brimming with wildlife through the seasons. Over 20,000 water birds of 40 different species overwinter on the lakes including goosander and bittern. With limited permitted development, the managed habitat, through a network of hides, riverside walks and nature trails, enables inhabitants and guests to enjoy and observe wildlife not normally seen in our crowded cities; amongst which dragonflies, hobbies, sand martins, water voles and otters can all be found. The Estate facilities offer a range of activities, on and off the lakes, and include the ArtSpa with its pools (heated and an unheated eco-pool), gym and treatment rooms; there are tennis courts , another swimming pool , boating, canoeing and a children’s play area. But you may just want to soak up the beauty of the surroundings and enjoy the atmosphere of relaxation and tranquillity. The gated and managed nature of the community gives children the freedom to play and explore. The Estate strives to preserve this tranquillity and freedom, and, in order to do so, has rules that prohibit noisy parties and antisocial conduct, and which require a security deposit. In the surrounding area there are attractive villages, fine restaurants, traditional and gastro-pubs and the historic town of Cirencester, with its beautiful church and town square, is just a short drive away for holiday sightseeing (including Roman remains) and plenty of opportunities for shopping. This contemporary lakeside house is set on a peninsula; it is one of a pair and enjoys beautiful views over the tranquil Somerford Lagoon. Estate shop 1/2 mile (restricted hours). Large open-plan living/dining room with wood-burning stove, panoramic windows/doors and wooden floors. Well-equipped modern fitted kitchen with granite work surfaces. Cloakroom with toilet. First floor: Master twin bedroom with panoramic windows/doors to sun deck and en-suite bathroom with over-bath shower and toilet. Double bedroom with panoramic windows/doors to sun deck. Further twin bedroom. Shower room with toilet. Second floor: Twin bedroom with en-suite bathroom with over-bath shower and toilet. Wood-burning stove - fuel avail locally Elec, full gas CH, bed linen and towels inc T/cot LCD TV DVD CD M/wave Washer/dryer D/washer F/freezer Wi-fi Garden with decked area and furniture BBQ Shared 450-acre grounds Parking (for 1 car); additional parking avail Friday to Friday NB: Sloping bank to unfenced lake in grounds, grounds require supervision of children. http://www.arkadia.com/thdy-t8916/
REFNO:5243. Enjoying uninterrupted views over parkland towards the River Severn and Wrekin Hill, Cronkhill Farmhouse occupies a delightful elevated position on the National Trust’s Attingham Park Estate . This spacious, timber framed farmhouse is located in extensive and picturesque grounds including a sun trapped walled garden, fruit trees and brick apple store. Dating from the 17th century and Grade I listed, it was remodelled by John Nash, the famous Regency architect, to match the adjoining property (also National Trust and open 6 days a year). Cronkhill Farmhouse retains many period details, including beamed ceilings, quarry tile floors and open fireplace. Providing spacious living accommodation, well equipped farmhouse-style kitchen and large dining and entertaining space, it can sleep up to 14. Its idyllic situation combines a very convenient location, close to the bustling town of Shrewsbury and the prettiest villages of Shropshire. The property is especially popular with families and groups of friends, as it can be adapted to suit their individual needs, with four of the six bedrooms providing either twins or doubles. A la carte catering for special occasions and a freezer filling service are available to pre-book. Accommodation : Entrance hall/boot room. Large living room with open fire. Spacious dining room. Well-equipped farmhouse-style kitchen with electric range. First floor: Two double bedrooms, one with en-suite bathroom with over-bath shower and toilet. Two double bedrooms, each with 6ft bed (can form two 3ft singles) and additional single bed (each for +1). Two further double bedrooms, each with 6ft bed (can form two 3ft singles). Shower room with toilet. Further bathroom with over-bath shower, toilet. Location : A local post office, shop, gastro pub and traditional country pub are all within ½ mile of Cronkhill. The National Trust’s Attingham Park is just 1 mile away, at the centre of which is a fine Regency mansion set within a deer park designed by Humphrey Repton. There is extensive year round walking to be enjoyed here. This is an excellent central base from which to explore Shropshire. Shrewsbury lies 3 miles to the north, with its fine period architecture, cinemas, restaurants and excellent shopping. To the south are the spectacular Shropshire Hills and Acton Scott’s Historic Working Farm, as seen on BBC TV’s hit show V ictorian Farm and a firm favourite with families. In its medieval castle setting, Ludlow provides a food paradise with Michelin star restaurants and artisan shops galore. Eight miles to the east is the World Heritage site of Ironbridge Gorge and its many museums. Three ruined abbeys and the remains of the ancient Roman city of Wroxeter are all within a 20-minute drive. The custodian of Cronkhill Farmhouse is Rupert Acton who helps to manage his family’s Acton Scott estate, famous for providing the film location for BBC TV’s Victorian Farm and new series, Escape in Time , presented by Ben Fogle. A thirty minute drive south of Cronkhill, three further holiday houses may be found at Acton Scott. Henley Farmhouse, sleeps up to 20, ref RJJ3; The Shooting Lodge, sleeps 8 + 3, ref RNP; and Henley Cottage, an authentic Victorian farm labourer’s cottage, sleeps 4+1, ref ROO4. For more information see ... /> Open fire - initial fuel inc, thereafter at cost Elec, oil CH, NSH, bed linen and towels inc Cot H/chair TV Video DVD Radio/cassette/CD M/wave W/machine T/dryer D/washer F/freezer Large secure garden, furniture BBQs Ample parking Outdoor table tennis Friday to Friday NB: Water feature in grounds. http://www.arkadia.com/thdy-t10521/
REFNO:8012. Hill walking and fishing Enjoy the splendour and magnificence of Strathconon, a beautiful glen deep in the Highlands. This studio cottage, a spacious detached holiday property, offers the holidaymaker cosy accommodation together with Glenmeanich Cottage (ref W101) and The Old Gun House (ref W2607) in a ’get away from it all’ location. Hill walking, river and loch fishing (permits available from the estate office), and an abundance of wildlife help to add to the enjoyment of this ’Brigadoon’ type glen. Inverness, the capital of the Highlands, is just 30 miles distant, and Glacour Studio is ideally placed for touring the North West Highlands. This designer converted croft house is finished and furnished in an open plan Scandinavian style with pine clad roofing and a pine kitchen. Shop, pub and restaurant 15 miles. All on ground floor: Living room with 2 double sofa beds/dining room. Kitchen. Shower room with toilet. Woodburner in living room inc. NSH, elec and bed linen inc. Elec cooker. M/wave. Parking (2 cars). Natural water supply from spring. http://www.arkadia.com/thdy-t11158/
DETAILS This character barn conversion offers a large kitchen with oven/hob and fridge/freezer with a door leading out to the enclosed courtyard to the rear. There is a seperate living room with stairs leading to the first floor with two double bedrooms and a modern bathroom. This property is in excellent order throughout.
From our office in Hagley Road, Stourbridge:Continue forward (one-way) onto New Road - A491 (signposted Ring Road), Continue forward onto the A458, Turn left onto Birmingham Street - A458 (signposted Birmingham), Bear left onto Lye Bypass and immediately A458, Branch left (one-way) onto the A458 (signposted Dudley), Turn left onto the A4036, At roundabout take the 2nd exit onto the A4036, At traffic signals turn right onto the A4100 (signposted Old Hill, Cradley Heath), At roundabout take the 2nd exit onto the A4100, At roundabout take the 2nd exit onto the A4100, At roundabout take the 2nd exit onto the A459, At roundabout take the 1st exit onto Station Road, Bear right onto Heathfield Way Heathfield Way, Continue forward onto Station Road, Continue forward onto Waterfall Lane. WEBSITE: www.waltonandhipkiss.co.uk Full details can be found at our award winning website.A beautifully presented four bedroomed, detached family home, close to local amenities and with easy access to motorway networks.
From Hagley proceed along the A456 in the direction of Kidderminster and on leaving Hagley turn right into Stakenbridge Lane. On reaching Churchill turn left at the War Memorial along Churchill Lane. After passing the church turn next right into Waggon Lane and proceed almost to the end, turn left into Perry Ford Lane, where the property will be found on the right hand side.www.waltonandhipkiss.co.uk Full details can be found at our award winning websiteExecutive one bedroom apartment in the Park Hall estate, excellently presented and set in stunning grounds
A block of agricultural land just off the Aylesbury Road between the villages of Rowsham and Wingrave just north of Aylesbury.
Bare pasture with planning permission for 5MW solar farm. Old WW2 airfield. Great access. Arable improvement potential. 40 acre plot with solar planning permission. In total 152.78 acres. Available as a whole or in two lots. Lot 1 - Lot 1 extends to 103.43 acres of Grade 3 land and is all currently in grass. On 20th June 2011, West Oxfordshire District Council granted planning permission for the 5MW solar farm on a 40 acre field marked by green hatching on the plan. The solar farm has the potential to generate enough energy to satisfy the needs of 1,200 homes. The area of land covered by panels is only on a 40 acres plot. The land has been unused for a number of years and this proposal presents an opportunity to restore the land increasing both biodiversity and productivity. For further details about the planning permission please contact the vendor’s agent. In all about 103. Lot 2 - The land in Lot 2, as in Lot 1 also, is Grade 3. It is a shallow well drained lime rich calcareous loamy soil over limestone and is currently all down to grass. On the easterly boundary can be found the remainder of one of the runways providing good access to the land. In all about 49.35 acres Burford 3 miles Oxford 23 miles Central London 81 miles (All distances are approximate).
Lot 6 Cotswold farmland with road access. In all about 149.21 acres. Lot 6 is the core of Camp Farm. Many of the fields have separate road access and are served by a hard track running to the centre of the land. The area is made up of a patchwork of drystone walls, hedges and interspersed with established or young planted woodland patches. The land is gently sloping which then levels out with the westerly pastures running down to spurs and re entrants adjoining the sensational wooded valleys to the west. The lot includes an anacient burial mound and a designated Site of Special Sientific Interest (SSSI). The farm in all is about 203 acres of pasture, arable and woodland with a stone farm house. The property is available as a whole or in 6 separate lots. Further details available from the vendors agents. The farm has various schemes and management agreements in place, details available from the vendors agents. Bisley 2 miles M5 (Jct 11a) 8 miles Cheltenham 11 miles Cirencester 13 miles Kemble station 13 miles (London Paddington 80 mins) All distances and times are approximate
Amenity Woodland with investment potential. Mature soft and hardwood. Lake. Grassland. Available as a whole. In all about 69.79 acres. (Lot 2 of Priors Farm Land sale) Street End Copse is the final lot within the sale of Priors Farm, Mattingley. It extends to approximately 69.79 acres and consists of mature woodland, grassland and 2.75 acre lake. This holds enormous potential to improve and add value with simpathetic works to the woodland and around the lake. For further details please contact the vendor's agent.
The Augusta House is set on a peninsula in a unique development of architecturally stunning homes in diverse designs. The Lower Mill Estate is the UK's first residential nature reserve, located in the heart of the Cotswolds and historic Gloucester... http://www.arkadia.com/fuyy-t125335/
SPECIAL OFFER! 50 OFF FIRST MONTH RENT & NO ADMIN FEES!! This is a newly converted maisonette on the first floor of a historic building that used to be a popular pub in Burslem. The property comprises, two double bedrooms, lounge, fitted kitchen with electric cooker, fridge freezer and washer dryer; store room, cloakroom, and bathroom with over-bath shower. Additional benefits include double glazing, combi gas central heating, security alarm and neutral d cor. The original central skylight has been renovated and makes it a unique feature in the property. It has its own entrance. Externally, there is a secure allocated landscaped parking and a lawn shared with two other similar properties. The property is let unfurnished, but can be furnished if required. It is situated close to Burslem High Street, which has good bus services to the city centre and all Potteries Towns. It would suit a professional couple, two sharers or a small family. Sorry, no furry pets are allowed and LHA tenants are NOT considered. References and deposit of 500 are required. You must view to appreciate the accommodation on offer. * Please quote ref. 5684121 when enquiring about this property. Phone lines open Mon - Fri 8am - 8pm Sat, Sun & public holidays 9am - 4pm
This is a FURNISHED newly converted GROUND FLOOR maisonette comprising two double bedrooms, lounge, a big fitted kitchen with electric cooker, fridge freezer and washer dryer, cloakroom, and a big bathroom with over-bath shower. Additional benefits include double glazing, combi gas central heating, security alarm and leather upholstery. Externally there is allocated and secure landscaped parking and a shared courtyard and lawn. The property is part of a historic building situated close to Burslem High Street, which has good bus services to the City Centre and all Potteries Towns. It would suit a couple, two sharers or a small family. Pets are not allowed. LHA tenants are NOT considered. References and deposit are required. Must be viewed to appreciate the accommodation on offer. Available now. * Please quote ref. 5683538 when enquiring about this property. Phone lines open Mon - Fri 8am - 8pm Sat, Sun & public holidays 9am - 4pm
This exciting new development comprises 25 units available for a mix of commercial uses including office, manufacturing and storage. The centre is situated close to Brownhills Leisure World on the busy Brunel Business Park located off the A46 Newark bypass which provides easy access to the A1. It comprises 14 offices ranging from 37 to 93 sq m (400 to 1000 sq ft). The centre also offers 11 workshops ranging from 93 to 185 sq m (1000 to 2000 sq ft). Space is let on our flexible licence agreement offering clients’ two-months notice at any time in which to vacate, greatly reducing your risk. Our cost effective rates include (as standard) rent, buildings insurance and service charges. We can also build a fully inclusive package (office space only) to suit your requirements to include heating, lighting, water, telephony, broadband and furniture. The fixed rate fully inclusive package allows you to manage your monthly outgoings.
This exciting new development comprises 25 units available for a mix of commercial uses including office, manufacturing and storage. The centre is situated close to Brownhills Leisure World on the busy Brunel Business Park located off the A46 Newark bypass which provides easy access to the A1. It comprises 14 offices ranging from 37 to 93 sq m (400 to 1000 sq ft). The centre also offers 11 workshops ranging from 93 to 185 sq m (1000 to 2000 sq ft). Space is let on our flexible licence agreement offering clients’ two-months notice at any time in which to vacate, greatly reducing your risk. Our cost effective rates include (as standard) rent, buildings insurance and service charges. We can also build a fully inclusive package (office space only) to suit your requirements to include heating, lighting, water, telephony, broadband and furniture. The fixed rate fully inclusive package allows you to manage your monthly outgoings.
This exciting new development comprises 25 units available for a mix of commercial uses including office, manufacturing and storage. The centre is situated close to Brownhills Leisure World on the busy Brunel Business Park located off the A46 Newark bypass which provides easy access to the A1. It comprises 14 offices ranging from 37 to 93 sq m (400 to 1000 sq ft). The centre also offers 11 workshops ranging from 93 to 185 sq m (1000 to 2000 sq ft). Space is let on our flexible licence agreement offering clients’ two-months notice at any time in which to vacate, greatly reducing your risk. Our cost effective rates include (as standard) rent, buildings insurance and service charges. We can also build a fully inclusive package (office space only) to suit your requirements to include heating, lighting, water, telephony, broadband and furniture. The fixed rate fully inclusive package allows you to manage your monthly outgoings.
This exciting new development comprises 25 units available for a mix of commercial uses including office, manufacturing and storage. The centre is situated close to Brownhills Leisure World on the busy Brunel Business Park located off the A46 Newark bypass which provides easy access to the A1. It comprises 14 offices ranging from 37 to 93 sq m (400 to 1000 sq ft). The centre also offers 11 workshops ranging from 93 to 185 sq m (1000 to 2000 sq ft). Space is let on our flexible licence agreement offering clients’ two-months notice at any time in which to vacate, greatly reducing your risk. Our cost effective rates include (as standard) rent, buildings insurance and service charges. We can also build a fully inclusive package (office space only) to suit your requirements to include heating, lighting, water, telephony, broadband and furniture. The fixed rate fully inclusive package allows you to manage your monthly outgoings.