Start by listing your regular bills and checking whether you are still paying for services you no longer need, while comparing deals before switching. For energy, check your tariff, improve energy efficiency where practical, and ask your supplier whether you qualify for support; a water meter, broadband social tariff or council tax reduction may also lower costs depending on your circumstances. Use the benefits and cost-of-living guidance on GOV.UK to check possible support. If you are struggling with repayments, contact a free debt-advice charity before cancelling essential insurance or priority bills.