Start by checking your bank balances and recent transactions for unexpected fees, forgotten subscriptions or overspending. List bills due in the next fortnight, then set aside money for essentials such as rent or mortgage, groceries, transport and medication. Compare your planned spending with what you actually spent, and adjust the remaining week’s limits if needed. If you can, transfer a manageable amount towards savings or an emergency buffer, and record any changes to your income or regular costs. ASIC’s MoneySmart budget planner can help you build a more detailed plan.