Start by listing your regular bills, their renewal dates and whether each one is essential, then check your bank statements for forgotten subscriptions or unused services. Compare energy, broadband, mobile and insurance deals, but check contract terms, exit fees and what is actually included before switching. Check whether you qualify for help such as Council Tax Reduction, social tariffs or benefits on the official GOV.UK website. If rising bills mean you are missing payments, contact providers promptly and consider free debt advice from a charity such as StepChange or Citizens Advice.