I have to plan ahead of the list of items which I would like to cut down to save money in order to manage future. Inflation gone high, interest gone high but our income is not increases according to that. So, we may have a shortfall in our income and had to cut some basics to get some other mandatory bills such as mortgage, council tax etc. It is very hard to plan for the future at this living crisis as it give me a mental burden which deteriorate my health condition as well.