Most first-time renters in the UK do not blow the budget on rent. They blow it on the pile that shows up after the keys: deposit top-ups, council tax timing, the energy setup fee, the weekly shop that is bigger than they thought, and three subscriptions they forgot they still had.

A simple system beats a spreadsheet you will not open.

Track five things only:

• Move-in costs (once)

• Payday cash (every pay)

• Fixed bills (monthly)

• Groceries (weekly)

• Subscriptions (the ones quietly renewing)

If you cannot see unallocated cash after bills and food, you are guessing. That is the whole product.