Or you could just forget all that and lie.
Atleast one of my friends BLATNALTY lied on the application forms, and he was never found out. His mum and dad earned a combined £65,000 a year...they went to American and Australia atleast once a year and he managed to get £30/week. Its disgusting if you ask me, I was working and earning less than that. Dunno how they lied but they managed it.
Getting shafted for being honest...thats life I guess..