Start by listing your monthly take-home pay and fixed costs, such as rent or mortgage, council tax, utilities, transport, insurance and debt repayments. For Birmingham, check your council tax band and compare travel costs, including buses, trains and fuel, with your actual journey needs. Then set realistic amounts for groceries, social spending and irregular costs, and keep a small emergency buffer where possible. Review your budget each month using bank statements or a budgeting app, and check the official Birmingham City Council and gov.uk websites for current local charges or support.