Start with your monthly take-home income, then list fixed costs such as rent or mortgage, council tax, utilities, insurance and travel. For Leicester, check your council tax band on Leicester City Council’s website and compare local transport, energy and grocery costs with your actual spending. Set practical limits for flexible spending, keep a small emergency buffer, and review the budget each month rather than aiming for perfection. If your income does not cover essentials or you are dealing with debts, consider free support from organisations such as MoneyHelper or Citizens Advice.