A free household budget planner can help you compare your monthly take-home income with regular bills, everyday spending and savings goals. List annual or irregular costs too, such as insurance, car repairs and Christmas, then divide them by 12 so you can budget for them each month. Review your actual spending after a few weeks and adjust the figures rather than aiming for perfection. You can also use MoneyHelper’s free budget planner on GOV.UK for further guidance.