Look out for planners that promise to clear debt quickly, guarantee savings, or suggest one solution suits everyone; results depend on your circumstances. Be cautious if fees, subscription renewals, data use or cancellation terms are unclear, especially where bank-account access is requested. A useful planner should let you include irregular costs, priority bills, debts and emergency savings rather than relying on unrealistic spending targets. If it offers debt advice or financial products, check the firm on the FCA Register and compare its guidance with GOV.UK or a free debt charity.