Warning signs can include regularly missing payments, using credit for essentials, borrowing to repay other debts, or feeling unable to open bills and check your bank balance. Money-saving tips include reviewing subscriptions and direct debits, comparing essential bills, planning low-cost meals, and setting a realistic weekly spending limit. If you are struggling, contact a free debt charity such as StepChange, National Debtline or Citizens Advice before taking out more credit. They can help you understand your options, which will depend on your circumstances.