Useful free resources include MoneyHelper’s budget planner and guidance on reducing household costs, as well as the benefits calculators listed on GOV.UK. Citizens Advice offers information about bills, debt, energy support and ways to deal with creditors. Your bank may also provide free spending summaries, account alerts and budgeting tools, while your local library or council may offer money guidance sessions. Check information against official sources, and consider speaking to an FCA-authorised adviser before making major financial decisions.