When there’s not much coming in, or available to spend, you have to be completely aware about what you have and where it goes. The first step to taking control of your money is to work out your living costs by making a budget.
Use our My Budget tool to get a clear picture of where your money goes each month and try to find where you can save money or redirect money to the most important things. Your budget will show you if you’re living within your means.
After you have looked at your budget, you can look at: