Start by listing your regular outgoings and checking bank statements for subscriptions, insurance renewals and services you no longer use. Compare energy, broadband, mobile and insurance deals, but check contract terms, excesses and any exit fees before switching. Ask your water company whether you qualify for a social tariff, and check your council tax band and payment options with your local authority. You can also use an independent benefits calculator and the official GOV.UK cost of living guidance to check for support or benefits your household may be entitled to. Prioritise debts and seek free help from a debt-advice charity if bills are becoming unmanageable.