I know a lot of people are struggling with finances as they go through the visa process, and this is now more true than ever.
The subreddit ukpersonalfinance has shared this 'personal finance' flowchart which I think gives excellent advice on options available to manage personal finances at any level : https://ukpersonal.finance/flowchart/
I recommend it and think it's very useful to anyone no matter where they are on this flowchart.
(Just a note here that some care needs to be taken with those using savings e.g. to apply for a spouse visa under Cat D as the savings must be -instantly- accessible - this doesn't contradict the advice in the chart, but it's something to bear in mind!).
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