A household budget planner is for anyone who wants to understand where their money goes and plan income, bills, spending and savings. It can help individuals, couples, families and housemates, whether your income is regular, variable or made up of benefits and wages. You do not need to be in debt to use one; it can also help you prepare for annual costs and identify areas where you could cut back. If you are struggling to cover essential bills, consider free guidance from MoneyHelper or a debt advice charity.