Budgeting
Make a plan for every pound before it lands in your account. Start with a guide below, then use the linked tool to run your own numbers.
The 50/30/20 rule — and what to do when it doesn’t fit your budget
A simple starting split for your take-home pay, and three ways to adapt it when rent alone eats half your income.
Read the guide →Sinking funds: how to plan for the costs you can see coming
Christmas, the MOT, an annual renewal — none of these are emergencies, but without a plan they can feel like one every time.
Read the guide →Zero-based budgeting: giving every pound a job
Close the quiet gaps money leaks through by assigning every pound a purpose before the month starts.
Read the guide →How to cut your monthly bills without giving anything up
Some of the best savings come from paying less for exactly the same thing — one-off effort, ongoing benefit.
Read the guide →Budgeting when your income is irregular
Self-employed, freelance or variable hours? Budgeting matters more, not less — here’s how to do it.
Read the guide →Try: Budget planner
Put this topic into your own numbers — no sign-up.
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