Start by listing essential monthly costs, including rent or mortgage, council tax, energy, food, transport and insurance, then compare them with your income. Check whether you could qualify for support such as Universal Credit, Council Tax Reduction, help with energy bills or free school meals using the official GOV.UK benefits calculators and guidance. Contact your energy supplier, landlord or lenders early if you are struggling, and consider free debt advice from organisations such as StepChange or Citizens Advice. Review subscriptions and non-essential spending, but keep enough for emergencies and beware of scams promising quick financial help.