Start by listing your income, essential bills, debts, savings and regular spending so you have a clear picture. Next, create a realistic budget, prioritising housing, utilities, food and other essentials, and look for manageable savings rather than cutting everything enjoyable. Build an emergency fund gradually, while tackling costly debts and checking whether you are claiming any support you may qualify for on GOV.UK. Review your plan monthly and adjust it when your circumstances change. If debt feels unmanageable, consider free guidance from a UK debt charity such as MoneyHelper or StepChange.