Start by listing your essential income and spending, then prioritise housing, energy, food, council tax and travel before reviewing non-essential costs. Check whether you could qualify for extra support using a benefits calculator or the relevant GOV.UK guidance, as eligibility depends on your circumstances. If debts are becoming difficult to manage, contact a free service such as MoneyHelper or Citizens Advice before missing payments, and be cautious about taking out more credit. Even setting aside a small amount regularly can help create a buffer, but seek help rather than going without essentials.