Useful options include a simple spreadsheet, a paper budget, bank-app spending categories, or an envelope-style system for separating money for bills and everyday costs. Start by listing regular income and expenses, then allow for less frequent costs such as insurance, car maintenance, school expenses and home repairs. A sinking-fund section can help you set aside money gradually for these bills, while a weekly spending check can highlight where adjustments may be possible. MABS and Citizens Information provide free guidance and budgeting resources, and your bank can explain how its budgeting features work.