Managing your money and making ends meet, what ever your income, takes careful organisation. The first step to taking control of things is to work out your living costs and knowing what is coming in and out and when.

Making a budget gives you a clear picture of where your money goes and shows where you might have a chance to save.

Use our budget planning tool, provided by MoneyHelper, a free service provided by the Money and Pensions Service, an arm's-length body sponsored by the Department for Work and Pensions.

Of course, we can help you save, even whilst you might be borrowing. Take a look at our Save As You Borrow Loans.