Start by listing your household income, essential spending, debts and any bills that are increasing, then check your entitlement using an independent benefits calculator. The official cost of living information on GOV.UK can point you towards current support, while your local council may offer help with essentials or council tax. Contact your energy supplier early if you are struggling, and speak to Citizens Advice or StepChange about debts and affordable repayment plans. Rules and eligibility depend on your circumstances, so check the latest GOV.UK guidance before applying.