Start by listing your income and essential spending, then compare bills, cancel unused subscriptions and check whether you qualify for benefits or local support. MoneyHelper offers free guidance and a benefits calculator, while Citizens Advice can help you check your rights and find practical support. If debt is becoming difficult to manage, contact a free debt charity such as StepChange or National Debtline before taking out more credit. For regulated financial advice, check that any firm you use is authorised by the Financial Conduct Authority.