Start by listing your essential bills and spending, then check subscriptions, insurance, phone contracts and energy use for possible savings before cutting essentials. Check GOV.UK’s benefits calculators and your local council’s website to see whether you may qualify for support such as Council Tax Reduction or help with household costs; eligibility depends on your circumstances. If you are struggling with debt, contact a free service such as Citizens Advice or StepChange before taking out more credit. Compare providers carefully and check that any financial firm you use is authorised by the FCA.