Start by listing your essential costs, such as rent, energy, food and travel, then set aside money for bills when your Universal Credit is paid. A separate bank account or budgeting tool may help you track spending and avoid missed payments. If you are struggling, contact your work coach or local council to ask about budgeting support, an advance or an Alternative Payment Arrangement, although these may affect your payments or eligibility. Check the latest guidance on GOV.UK, and seek free advice from a charity such as Citizens Advice.