english: Make a list of your expenditure; I would strongly recommend that you divide that in to needs (that’s to say mortgage payment, council tax, food, so on and so forth) and wants (holidays, going out for meals, that kind of thing).
non_english: ask me later dddddddddddddddddddddddddd dddddddddddddddd ewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewewew