Enter your starting bank balance in the top box. As you complete the income and expenses section the figures in the top box will change to show your projected bank balance at the end of the month. All figures should be monthly so you’ll need to divide annual expenditure such as holidays, Christmas, birthdays etc. by 12.
If you want to increase the projected balance at the end of the month then you need to increase your household income or reduce your expenditure. £10 a month here and £20 a month there soon mounts up and you’ll certainly feel more in control.