To have any socialising you have to spend money that is given by the goverment to cover basic physical needs or exagerate your illness efect on you and worry whenever some person is in the media accused of fraud
Then theres all these rumours of reassessment, as it is what little savings are slowly droppping
I maximise my income, by making sure that I claim all the benefits to which I am legally entitled, and am aware what rules and restrictions apply in regards to other income, casual work etc.
Then I worked out a budget, I sat down and worked out to the last penny exactly what my monthly income was. Then I worked out what all of my monthly outgoings were. I got rid of all, but one, credit card - on which I have a zero balance for emergencies, then I tried to cut down all uneccesary expenses, so I got rid of sky+, stopped going to martial arts, stopped buying fizzy drinks and takeaways. Then worked out a weekly budget, I get the same amount out in cash every Monday morning.
I have a series of jars on a shelf, my motorbikes petrol, my wifes motorbike petrol, housekeeping, and leisure. I have two savings accounts, one is a general savings account into which I put £20 a week, it's actually a credit union, this is for emergency use only. The second account is to cover the running costs of the motorbikes, tax, insurance, servicing etc. I worked out that £20 a week needs to go into that.
There is a small surplus each month which provides wiggle room. We then try to really shop around for a groceries and stretch the budget and bank the rest.
That's how I budget anyway. To me cash is king, and credit is bad. Credit does have a place, at times, but we don't have any right now and don't want any.