Starlingbank AI citations

To make a budget in the UK: 1) Collect all income and expenses for a month. 2) Use a free online planner or app (like [MSE Budget Planner], [YBS Calculator], or [MoneyHelper]) to categorise regular and variable expenses. 3) Sort outgoings into needs, wants, and savings (try the 50:30:20 rule). 4) Set realistic spending limits by category. 5) Track every expense�review and adjust monthly. Piggybanking (separate accounts for bills, goals, and spending) helps control your money. Always "pay yourself first" by saving before spending. Sources: [262] https://www.moneysavingexpert.com/banking/budget-planning/ [263] https://www.citizensadvice.org.uk/debt-and-money/budgeting1/work-out-your-budget/ [265] https://www.independent.co.uk/money/personal-budget-2025-finance-saving-spending-b2661862.html [266] https://blueskyifas.co.uk/4-simple-steps-for-creating-your-budget-for-a-prosperous-2025/ [268] https://www.starlingbank.com/blog/budgeting-to-save-money-in-the-new-year/