If you are struggling with budgeting, bills or debt, free guidance is available from MoneyHelper, Citizens Advice, StepChange and National Debtline. They can help you review your income and spending, understand your options and create a realistic plan, without judging you. You can also check GOV.UK for benefits and cost-of-living support you may be eligible to claim. If you need personalised investment, mortgage or pension advice, check that the adviser or firm is authorised by the FCA before paying for help.