If you’re having financial difficulties, you may find it useful to make a budget plan.

This can help you to:

  • Increase control over your money
  • Provide an early warning for potential problems
  • Stay on top of what is coming in and what is going out
  • Decide in advance how your money will work for you
  • Determine how much surplus income you have

The Money Advice Service provides a free online budget planner and advice on how to complete a budget plan.