Pick a plan that fits.

Three common approaches

50/30/20

Split net income into 50% needs, 30% wants, 20% saving or debt. Good for steady incomes and quick setup.

Zero-based

Give every pound a job. Great control with a bit more admin. Works well when cash is tight or variable.

Pots (jam-jar)

Separate accounts or virtual pots for bills, fun, and goals. Visual and simple for households.