A household budget planner can help you list income, regular bills, flexible spending and savings goals in one place. For Edinburgh, include rent or mortgage, council tax, Scottish Water and wastewater charges, energy, broadband, travel and any parking costs, as well as food and childcare. Check your council tax band, discounts and current charges on the official City of Edinburgh Council and gov.uk websites, since these can change. Review the plan each month and consider free debt guidance if your essential outgoings are higher than your income.