Start by writing down your weekly take-home income, then list essential costs such as rent or mortgage, groceries, transport, bills and medicines. For bills paid monthly or annually, divide the amount into a weekly figure so you can set the money aside regularly. Add flexible spending, savings and a small buffer, then compare the total with your income and adjust non-essential expenses if needed. Track your actual spending for a few weeks using a notes app, spreadsheet or budgeting tool, and review the budget as your circumstances change.