Start by checking your bank statements and listing essential bills, regular spending and debts, then set a realistic monthly savings target. Review subscriptions, utilities, insurance and other bills, and compare deals or switch where suitable, checking any exit fees first. Set up an automatic payment into a separate savings account just after payday, even if the amount is small, and increase it when your circumstances allow. Keep enough accessible cash for unexpected costs, prioritise expensive debts, and use the MoneyHelper or gov.uk websites for impartial guidance on budgeting and benefits.