Anyone can make a budget by listing their monthly income, essential bills, debts and everyday spending, then comparing the totals and setting realistic limits. A free income-and-outgoings tool can help you identify where you may be able to cut back or build savings. You do not usually need to meet a specific condition to create a budget, although eligibility for specialist support can depend on your circumstances. If you are struggling with debt, contact a free service such as MoneyHelper or Citizens Advice to discuss your options.