Warning signs can include regularly missing bills, relying on credit for essentials, using one debt to repay another, or avoiding bank statements because they cause anxiety. You may also be at risk if you have no emergency savings, are frequently overdrawn, or feel pressured into investments or financial products you do not understand. Take an honest look at your income and outgoings, prioritise essential bills, and seek free debt guidance from organisations such as MoneyHelper or StepChange. For investment or regulated financial advice, check that the provider is authorised by the FCA.