Start by working out what comes in and goes out each month, then create a realistic budget that includes irregular costs. Build an emergency fund gradually, prioritise essential bills and expensive debts, and review subscriptions and other spending regularly. Set clear goals, such as saving for a deposit or paying off a credit card, and check your progress without judging yourself. If money worries are affecting your wellbeing, free support is available through organisations such as MoneyHelper and Citizens Advice.