The process of putting together a budget is the same, regardless of how much you’re earning. However, you will need to think more carefully about how you manage everything if money is tight. Try to keep an eye on variable expenses because you may be able to cut down on certain things to help you save or to ensure that you can stay on top of more important bills.If you’re struggling to meet debt repayments, consider speaking to your creditors, a financial advisor, or a debt charity about putting together a debt management plan (DMP). This can help ensure your debt repayments are manageable and that you don’t fall behind, which would have an adverse effect on your credit rating.