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I understand your concern about the security of your account and the potential financial risks.
To protect your personal account, you can add the different ways to sign in or verify. to do this use the https://account.live.com/proofs/manage/additional link you can see the list of authentications, from here see is there any unusual authentication is added, if so try to delete and also you can stop the email code alerts by disabling the Receive alerts.
once you remove the unnecessary authentication you can turn on the Two-step verification or you can add another way to sign in or verify like MFA and passkey. this way you can check and protect your personal account.
The other side, to protect your Azure environment for free you can enable the Security defaults in Microsoft Entra ID which is a free feature in Entra ID. This enables the MFA for all users in your tenant, this way you can protect your organization from identity-related attacks.
If you would like to block logins from specific countries or IP's of your azure identities you need paid licenses of Microsoft Entra ID P1 & P2 this will allow you to create the conditional access policy where it gives more security to your tenant.
To know about the usage and billing Set up billing alerts in Azure to notify you of any unusual spending.
By using the sig in logs, you can find the location details and IP address. for this log in to azure portal ->Microsoft Entra ID -> Sign-logs here you can find the multiple logs for your tenant under User sign-ins (interactive) find the user which you need and click location to find the details which as shown in the below picture.
Hope this helps. Do let us know if you any further queries by responding in the comments section.
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