You can use a budgeting tool, spreadsheet or just pen and paper to get started. Note down everything that comes in and out of your account, including any benefits, tax credit or pension income, as well as bills and expenses. Try and be as honest and detailed as you can.
Use your bank statements (online or on paper), or your transaction information to help. Most current accounts have an app or internet banking where you can access your spending history. You can also check for any scheduled or recurring payments to see any direct debits or standing orders. If you find any recurring payments you don't recognise, try an internet search of the payment or company name to find out what the payment is for, to make sure you don't cancel any important payments.
If you normally use cash for your spending, you’ll need to keep your receipts and use those.
Think about splitting your spending into different categories, like essential bills, household spending, groceries or eating out.
Organisations like Citizens Advice and MoneyHelper have detailed budgeting tools that can help you with this.
If you would like some help to access your spending digitally, or using online budgeting tools, we've partnered with digital support charity Citizens Online, so that all Triodos Bank UK customers can access free, one-to-one telephone support with a Digital Champion, at a time that suits you. Find out more here.