Start by comparing energy, broadband and mobile tariffs, and ask suppliers whether you qualify for a social tariff or payment plan. Check your local council’s council tax reduction scheme and use GOV.UK’s benefits calculator, as eligibility can depend on your immigration status, income and household circumstances. Water companies may offer reduced charges or payment support through schemes such as WaterSure, depending on where you live and your situation. Citizens Advice or MoneyHelper can help you check your options, while GOV.UK provides the latest information on benefits and support.