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- Analyse where your money comes from. And where it goes. Search those statements with forensic dexterity. Accept only 100% understanding.
- Set up a series of virtual 'jam jars'; pots of money for each of your needs: food, utilities, cinema, clothes, college...Only spend what's in the jam jar. Negotiate between the jars. Make the budgets fit.
- Re-negotiate everything: from broadband services to drum-kit insurance.
- Decide some activities can go. OR have to go.
- Clear debts with a plan. One possibility is in order of higher interest being imposed.
- Food shop with a list. Food plan across several days to make best use of left-overs.
- Create a savings account. And put money into it; even if it’s minuscule to start with.