Bills getting you down?
Let's fix your budget.
Whether you're overspending, can't stretch to the end of the month, or just want to be smarter with money, here are your practical next steps.
Free guide
The 50/30/20 Budget Rule, UK Guide 2026
The simplest budgeting method explained for UK incomes, with real numbers and examples.
📋 Quick facts before you start
- ✓The average UK household wastes £460/year on unused subscriptions.
- ✓Switching energy supplier at renewal could save £200–£400 per year.
- ✓The 50/30/20 rule is used by millions, 50% needs, 30% wants, 20% savings.
- ✓You may be entitled to benefits you're not claiming, 1 in 3 eligible households miss out.
- ✓A £10/month subscription left uncancelled costs £120/year, check your bank statement now.
Quick estimate
Where does my money go each month?
Energy estimator
How much should my energy bill be?
Based on Ofgem Q2 2026 price cap unit rates. Estimates only, actual bills vary by property, insulation, and usage habits.
Where is my money actually going?
Most people are shocked when they first track their spending. Before you can fix your budget, you need to see the full picture. Our budget planner helps you map income against every outgoing, from rent and bills to subscriptions you've forgotten about.
How do I cut my bills without suffering?
The biggest wins are usually energy, broadband, phone, and insurance, all areas where loyalty is penalised. Switching providers on renewal (rather than auto-renewing) typically saves £300–£500 per year with minimal effort. We'll show you exactly where to start.
↑ Uswitch, free, impartial energy comparison
What's the best budgeting method for me?
The 50/30/20 rule is a great starting point: 50% of take-home pay on needs, 30% on wants, 20% on savings/debt. But if you're in survival mode, even a simpler "pay yourself first" approach, saving before you spend, makes a real difference over time.
I literally can't make ends meet, what do I do?
If your income doesn't cover your essential outgoings, you may be entitled to benefits you're not claiming. Universal Credit, Council Tax Reduction, and the Household Support Fund are all worth checking. Free benefits calculators can show you what you're missing.
↑ Citizens Advice, free, confidential money guidance
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