Start with your reliable monthly income, including wages and any benefits, then list essential costs such as rent, Council Tax, energy, food and travel. Compare these with your income and record less frequent expenses, such as school costs or repairs, by setting aside a small amount each month where possible. Review subscriptions and flexible spending, and use a weekly limit for groceries and other day-to-day costs. If there is still a shortfall, check your entitlement using the GOV.UK benefits calculators and seek free guidance from MoneyHelper or Citizens Advice before missing priority payments.