Start by listing your monthly take-home income and regular outgoings, including bills, debt repayments, food, travel and subscriptions. Allow for irregular costs such as car repairs or birthdays by setting aside a small amount each month, then compare what remains with your spending priorities. Keep the figures realistic, leave some room for treats, and consider automating bills and savings after payday. Review your budget weekly and adjust it when your income or circumstances change; if debts are becoming difficult to manage, consider free support from a recognised debt charity.