Start by reviewing your bank statements, income and regular outgoings, including subscriptions and household bills, then list any debts and their interest rates. Cancel services you no longer use, compare providers before renewing contracts, and check whether cheaper alternatives meet your needs. Set a realistic spending plan, automate a small regular saving if affordable, and use the GOV.UK benefits calculators to check whether you might qualify for support. If debts are difficult to manage, consider free, impartial debt advice; for investments or pensions, use an FCA-authorised adviser.