Start by listing your monthly income and essential outgoings, then check your bank statements for subscriptions and spending you can reduce or cancel. Make sure priority bills, such as rent or mortgage, council tax and energy, are covered before setting a savings target. If you have expensive debts, compare the interest rates and consider getting free guidance from a reputable debt advice charity before making changes. Build an affordable emergency fund gradually, and check GOV.UK to see whether you may be entitled to benefits or support.