Start by listing your income, essential spending, debts and upcoming bills, then contact your suppliers promptly if you think you may miss a payment. Free, confidential guidance is available through MoneyHelper, Citizens Advice and local Manchester support services, including help with budgeting, benefits and debt options. Check GOV.UK for benefits you may be entitled to and avoid paying upfront for debt help. If you need debt advice, use a free service or check that any provider is authorised by the Financial Conduct Authority; the most suitable option depends on your circumstances.