What you can do
Although you're balancing your budget, you don't have any money left to put aside for emergencies, unseen future expenses or retirement.
You should read our advice on getting help with bills. This could help stop you getting into debt. To keep on top of your spending use the budget tool each time your money situation changes.
Dealing with debts
If you have debts your budget can be used to help find the right debt solution for your circumstances. Read our advice on getting out of debt, get help from your local Citizens Advice in England and Wales, Scotland or Northern Ireland.
Tips for keeping on top of your budget
Keep a spending diary for a month to track exactly what you spend. You could also keep receipts and write down everything you spend your money on, or use a spending diary app on your mobile phone. There are lots of free apps available - search on ‘spending tracker’ in your phone's app store to find one. Print out and use our spending sheet if you'd rather do this on paper.
Some local Citizens Advice offices also run free sessions on budgeting and managing your money. Contact your local Citizens Advice in England and Wales, Scotland or Northern Ireland to find out whether they offer these.