Start with MoneyHelper, a free government-backed service offering budgeting tools and guidance on reducing costs, borrowing and bills. Citizens Advice can explain your rights and help you check whether you might be missing benefits or support with household expenses. If you’re dealing with problem debt, charities such as StepChange and National Debtline provide free, confidential guidance and can discuss suitable options based on your circumstances. Check information on GOV.UK as well, and be cautious of anyone charging upfront fees or promising to write off debts.