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Undergrad unsure what to do
B

I'm a third year student currently, and I have a pretty clear idea of what I want to research and that I want to do a PhD. My university gives very little information on how to apply for PhD funding, so I'm nervous about the entire thing. Unfortunately, because of family commitments and no car etc I have to stay at my current university, otherwise I would be applying for studentships across the country. Can anyone give advice on how to approach lecturers with a research proposal? Or whether I should simply enquire first and then work on a proposal together using the resources they have access to. Thank you!