Start by listing your monthly take-home income and regular outgoings, using payslips, bank statements and bills to avoid missed costs. Allow for essentials, debt repayments, savings and irregular expenses such as car repairs, birthdays and annual insurance, then compare the total with your income. If money is tight, prioritise housing, energy, Council Tax, food and essential travel, and seek free guidance from MoneyHelper or a debt charity before missing payments. Review your budget each month, particularly if your income, bills or household circumstances change.