Start by listing your monthly income and essential outgoings, such as rent, bills, food and travel. Check your bank statements for non-essential spending, then choose a realistic amount to save after allowing for irregular costs. Set up a regular transfer to a separate savings account just after payday, and review your subscriptions and household bills for possible savings. Keep a small buffer for unexpected expenses and review your budget each month, adjusting it when your circumstances change. For help with budgeting or debt, MoneyHelper offers free guidance on its official website.