Common budgeting mistakes include forgetting irregular costs, underestimating everyday spending and setting targets that are too strict to maintain. Review several months of bank statements, include annual bills and unexpected expenses, and leave some room for treats and flexibility. Check your budget regularly rather than expecting it to work perfectly from day one, and adjust it when your income or household costs change. If you are struggling with debt or essential bills, consider free guidance from a charity such as MoneyHelper or StepChange.