Hi If you are short of 18600 over 6 months, you can use 12 months, if that does not meet 18600, then you work out what is left over so if you are short by lets say 1000, you then need savings. It's 18000 I think or 16000 as base amount and then 1000x2.5 So either 18500 or 20500 in savings, someone s...