Budgeting helps you to be in control of your money. By looking at money coming in and going out, you can direct your money where it matters most.
A money plan lets you find ways to spend less and save more to achieve your goals. Check out our guidance on:
- Easy steps to put together a budget, to work out where you want your money to go.
- Ways to spend less and save more by tracking your spending
- Practical tips to help manage the cost of living
- Links to assistance that's available for low-income earners
- A budget planner tool, so you can put it all in writing
- A simple money manager tool, if you don't want to do anything too comprehensive
- Tips to help you spot sales tactics and avid sales pressure.
If you're in crisis or struggling to make ends meet, see urgent help with money. There are services to help you with food, bills, housing and emotional support.