Budgeting is for anyone who wants a clearer view of their money, whether you are on a low income, managing debt, saving for a goal or simply trying to spend with more confidence. Start by listing your regular income and essential outgoings, then add variable spending such as food, travel and entertainment. Compare your total spending with your income and set realistic limits, reviewing them each month as circumstances change. If your income or debts are difficult to manage, a free service such as MoneyHelper or a debt charity may be able to provide further guidance.