Be cautious of offers promising effortless savings, unusually high returns or discounts that seem too good to be true. Avoid anyone demanding an upfront fee, pressuring you to act quickly, or asking for your bank login, PIN or one-time security code. Check the provider, read the full terms and compare the total cost, including fees, delivery and cancellation charges. For investments or financial products, check the firm on the FCA Register, and use MoneyHelper or the official GOV.UK website for free, impartial guidance.