If you have decided you want to rein in your spending and borrowing and get your savings in order, the first thing to do is step back and see where all your money goes each month.
The budget planner below should remind you of all your income and outgoings each month. Once you establish how much of your income is committed to repaying debts and meeting bills, you can see how much - if any - you have left to set aside for the future.
You can also see what difference cutting some of your costs would make to your monthly total.
When filling in the planner, try to think about everything you earn, spend and save in an average month. Be honest, and where items you think of aren't included on the list, make sure you add them into the "other" category.