Family Budget Planner for UK Mums
Living
Family Budget Planner for UK Mums
Monthly budget template, money-saving quick wins, and benefit checker guide.
£7
This isn't a budgeting lecture. It's a practical, no-shame guide to managing family money in the UK — with real templates, current benefit rates as of April 2026, and money-saving strategies that actually work when you're running a household on a tight income.
Monthly Budget Template
Print this page or fill it in on your phone. The goal isn't perfection — it's awareness. Knowing where your money goes is the first step to controlling it.
MONTH: _______________
INCOME
Salary/wages (after tax): £___
Universal Credit: £___
Child Benefit: £___
Other (maintenance, PIP, carer's allowance, etc.): £___
TOTAL INCOME: £___
FIXED COSTS (same every month)
Rent/Mortgage: £___
Council Tax: £___
Gas & Electric: £___
Water: £___
Internet & Phone: £___
Insurance (home/car/life): £___
Car payment/transport: £___
Debt repayments: £___
Childcare: £___
TOTAL FIXED: £___
FLEXIBLE COSTS (can be adjusted)
Food & groceries: £___
Toiletries & household: £___
Kids activities/clubs: £___
Clothing: £___
Days out & entertainment: £___
Subscriptions (Netflix, Spotify, etc.): £___
Takeaways & eating out: £___
Gifts & birthdays: £___
Petrol/bus fares: £___
TOTAL FLEXIBLE: £___
THE NUMBER THAT MATTERS:
Total Income - Total Fixed - Total Flexible = £___
Positive = savings/breathing room. Negative = something needs to change.
INCOME
Salary/wages (after tax): £___
Universal Credit: £___
Child Benefit: £___
Other (maintenance, PIP, carer's allowance, etc.): £___
TOTAL INCOME: £___
FIXED COSTS (same every month)
Rent/Mortgage: £___
Council Tax: £___
Gas & Electric: £___
Water: £___
Internet & Phone: £___
Insurance (home/car/life): £___
Car payment/transport: £___
Debt repayments: £___
Childcare: £___
TOTAL FIXED: £___
FLEXIBLE COSTS (can be adjusted)
Food & groceries: £___
Toiletries & household: £___
Kids activities/clubs: £___
Clothing: £___
Days out & entertainment: £___
Subscriptions (Netflix, Spotify, etc.): £___
Takeaways & eating out: £___
Gifts & birthdays: £___
Petrol/bus fares: £___
TOTAL FLEXIBLE: £___
THE NUMBER THAT MATTERS:
Total Income - Total Fixed - Total Flexible = £___
Positive = savings/breathing room. Negative = something needs to change.
If the number is negative: Look at flexible spending first. Cancel one subscription. Switch to Aldi for a month. Do one fewer takeaway. Small changes add up. There's no shame in this — nearly half of UK families are one unexpected bill away from financial difficulty.
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Financial Disclaimer: This content provides general budgeting and money management guidance only. It is not financial advice. Darling Mellow Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice. Benefit rates, entitlements, and tax thresholds are subject to change — always verify current rates at gov.uk. For personalised debt advice: StepChange (0800 138 1111) or National Debtline (0808 808 4000). For benefits guidance: Citizens Advice (0800 144 8848). For regulated financial advice, consult an FCA-authorised independent financial adviser.
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Copyright © 2026 Darling Mellow Ltd. All rights reserved. Content may not be reproduced, distributed, or transmitted in any form without prior written permission.
Privacy Policy · Terms & Conditions · Contact: mellow@darlingmellow.co.uk