Start asking for receipts and log everything at the end of the day. How? However you like.Keep a pen-and-paper spending diary and note every purchase.

Over the next month, keep track of everything you spend against each category. For now, youвЂ™ll need to use your best guess for some things.WhatвЂ™s the grand total for all your outgoings? Again, total them up in your spreadsheet.Д¦) Record your actual spending each monthThe third column to add to your list is вЂactualвЂ™. Over a month, how much do you spend each month on these things? This will be easier to do in the future if you start keeping your receipts. What goes on your list will depend on your lifestyle, and all that matters is that youвЂ™re honest and comprehensive.Some things to consider:RentBills (gas, electricity, water)Contents insuranceMobile phone contractCredit card or loan paymentsClothesGym membershipNetflix / Amazon Prime subscriptionsTV licenceFood shopping (anything you prepare at home)Eating out (breakfast and lunch items)Alcohol (anything for at-home drinking)CoffeeCigarettesToiletries (hand wash, loo roll, tampons, condoms, painkillers)Household products (tin foil, kitchen roll, cleaning products, bin bags)Transport (buses, trains, taxis, car insurance, petrol, MOT, roadside recovery)Entertainment (cinema, theatre, bars)Books (textbooks and fiction)Stationery (including any printing costs)Use your banking app to look back at last monthвЂ™s spending. 2) Calculate what goes outThis will take a while at first.

You need a budget student