Here, you can open your bank statements either from Illion or, if your bank or financial institution is not on the Illion list, then from your Internet banking for the last 3 months. Here, you can see what you are spending, then work out a plan for the future, a list of accounts recommended, and what amount to put in each. This will start as your road map/plan going forward to help you get into a better financial position. It's worth committing time to the effort you make, which will reflect in outcome.