Sorted Team: Start by listing your monthly income and essential outgoings, then compare the totals to see what is left. Set a realistic budget for food, travel, leisure and other spending, and review your bank statements to find subscriptions or costs you could reduce. Aim to build an emergency fund gradually, prioritise expensive debts, and arrange regular payments for bills so you avoid missed-payment charges. Review the plan each month and adjust it when your income or circumstances change; MoneyHelper and GOV.UK offer free guidance for more complex situations.